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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.31
NPBC's Cash to Debt is ranked higher than
61% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. NPBC: 0.31 )
NPBC' s 10-Year Cash to Debt Range
Min: 0.13   Max: 1.14
Current: 0.31

0.13
1.14
Equity to Asset 0.13
NPBC's Equity to Asset is ranked higher than
87% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. NPBC: 0.13 )
NPBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.13

0.07
0.14
Interest Coverage 1.74
NPBC's Interest Coverage is ranked higher than
74% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. NPBC: 1.74 )
NPBC' s 10-Year Interest Coverage Range
Min: 0.12   Max: 2.1
Current: 1.74

0.12
2.1
F-Score: 5
Z-Score: 0.19
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 36.90
NPBC's Operating margin (%) is ranked higher than
84% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.70 vs. NPBC: 36.90 )
NPBC' s 10-Year Operating margin (%) Range
Min: -164.01   Max: 38.3
Current: 36.9

-164.01
38.3
Net-margin (%) 27.66
NPBC's Net-margin (%) is ranked higher than
85% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. NPBC: 27.66 )
NPBC' s 10-Year Net-margin (%) Range
Min: -138.67   Max: 29.11
Current: 27.66

-138.67
29.11
ROE (%) 8.59
NPBC's ROE (%) is ranked higher than
76% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. NPBC: 8.59 )
NPBC' s 10-Year ROE (%) Range
Min: -30.94   Max: 18.07
Current: 8.59

-30.94
18.07
ROA (%) 1.11
NPBC's ROA (%) is ranked higher than
86% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. NPBC: 1.11 )
NPBC' s 10-Year ROA (%) Range
Min: -3.69   Max: 1.49
Current: 1.11

-3.69
1.49
ROC (Joel Greenblatt) (%) 125.01
NPBC's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.73 vs. NPBC: 125.01 )
NPBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -353.85   Max: 300.74
Current: 125.01

-353.85
300.74
Revenue Growth (%) -5.90
NPBC's Revenue Growth (%) is ranked higher than
61% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. NPBC: -5.90 )
NPBC' s 10-Year Revenue Growth (%) Range
Min: -16.9   Max: 8.5
Current: -5.9

-16.9
8.5
EBITDA Growth (%) 11.00
NPBC's EBITDA Growth (%) is ranked higher than
80% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NPBC: 11.00 )
NPBC' s 10-Year EBITDA Growth (%) Range
Min: -41.2   Max: 14.5
Current: 11

-41.2
14.5
EPS Growth (%) 54.70
NPBC's EPS Growth (%) is ranked higher than
96% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. NPBC: 54.70 )
NPBC' s 10-Year EPS Growth (%) Range
Min: -57.6   Max: 54.7
Current: 54.7

-57.6
54.7
» NPBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

NPBC Guru Trades in Q3 2013

Steven Cohen 42,541 sh (New)
Paul Tudor Jones 24,500 sh (New)
Jim Simons 315,620 sh (+64.2%)
Diamond Hill Capital 1,465,690 sh (+19.99%)
Richard Pzena 2,445,173 sh (-9.58%)
» More
Q4 2013

NPBC Guru Trades in Q4 2013

Jim Simons 416,042 sh (+31.82%)
Diamond Hill Capital 1,704,455 sh (+16.29%)
Richard Pzena 2,480,323 sh (+1.44%)
Paul Tudor Jones 17,326 sh (-29.28%)
Steven Cohen 25,350 sh (-40.41%)
» More
Q1 2014

NPBC Guru Trades in Q1 2014

Paul Tudor Jones 46,123 sh (+166.21%)
Richard Pzena 3,061,223 sh (+23.42%)
Jim Simons 508,987 sh (+22.34%)
Diamond Hill Capital 1,721,803 sh (+1.02%)
Steven Cohen 10,857 sh (-57.17%)
» More
Q2 2014

NPBC Guru Trades in Q2 2014

Diamond Hill Capital 1,881,698 sh (+9.29%)
Paul Tudor Jones Sold Out
Richard Pzena 2,972,929 sh (-2.88%)
Jim Simons 463,420 sh (-8.95%)
» More
» Details

Insider Trades

Latest Guru Trades with NPBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Richard Pzena 2014-03-31 Add 23.42%0.03%$10.05 - $11.33 $ 10.23-4%3061223
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.20
NPBC's P/E(ttm) is ranked higher than
76% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. NPBC: 15.20 )
NPBC' s 10-Year P/E(ttm) Range
Min: 9.5   Max: 80.09
Current: 15.2

9.5
80.09
P/B 1.30
NPBC's P/B is ranked higher than
70% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. NPBC: 1.30 )
NPBC' s 10-Year P/B Range
Min: 0.37   Max: 2.61
Current: 1.3

0.37
2.61
P/S 4.20
NPBC's P/S is ranked higher than
63% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. NPBC: 4.20 )
NPBC' s 10-Year P/S Range
Min: 1.33   Max: 5.44
Current: 4.2

1.33
5.44
PFCF 12.80
NPBC's PFCF is ranked higher than
83% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NPBC: 12.80 )
NPBC' s 10-Year PFCF Range
Min: 3.4   Max: 20.33
Current: 12.8

3.4
20.33
EV-to-EBIT 14.79
NPBC's EV-to-EBIT is ranked higher than
77% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.86 vs. NPBC: 14.79 )
NPBC' s 10-Year EV-to-EBIT Range
Min: -750.7   Max: 86.6
Current: 14.79

-750.7
86.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.00
NPBC's Dividend Yield is ranked higher than
80% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. NPBC: 4.00 )
NPBC' s 10-Year Dividend Yield Range
Min: 0.46   Max: 13.7
Current: 4

0.46
13.7
Dividend Payout 0.61
NPBC's Dividend Payout is ranked higher than
58% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.46 vs. NPBC: 0.61 )
NPBC' s 10-Year Dividend Payout Range
Min: 0.07   Max: 8.5
Current: 0.61

0.07
8.5
Dividend growth (3y) 95.70
NPBC's Dividend growth (3y) is ranked higher than
99% of the 1059 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. NPBC: 95.70 )
NPBC' s 10-Year Dividend growth (3y) Range
Min: -60.7   Max: 95.7
Current: 95.7

-60.7
95.7
Yield on cost (5-Year) 13.40
NPBC's Yield on cost (5-Year) is ranked higher than
95% of the 1522 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. NPBC: 13.40 )
NPBC' s 10-Year Yield on cost (5-Year) Range
Min: 1.58   Max: 47.07
Current: 13.4

1.58
47.07
Share Buyback Rate -4.40
NPBC's Share Buyback Rate is ranked higher than
67% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. NPBC: -4.40 )
NPBC' s 10-Year Share Buyback Rate Range
Min: -0.5   Max: -36.9
Current: -4.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
NPBC's Price/Tangible Book is ranked higher than
65% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. NPBC: 1.70 )
NPBC' s 10-Year Price/Tangible Book Range
Min: 0.91   Max: 6.21
Current: 1.7

0.91
6.21
Price/DCF (Projected) 0.67
NPBC's Price/DCF (Projected) is ranked higher than
83% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. NPBC: 0.67 )
NPBC' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 1.43
Current: 0.67

0.24
1.43
Price/Median PS Value 1.02
NPBC's Price/Median PS Value is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. NPBC: 1.02 )
NPBC' s 10-Year Price/Median PS Value Range
Min: 0.36   Max: 1.3
Current: 1.02

0.36
1.3
Price/Graham Number 1.07
NPBC's Price/Graham Number is ranked higher than
74% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. NPBC: 1.07 )
NPBC' s 10-Year Price/Graham Number Range
Min: 0.87   Max: 3.13
Current: 1.07

0.87
3.13
Earnings Yield (Greenblatt) 6.90
NPBC's Earnings Yield (Greenblatt) is ranked higher than
75% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NPBC: 6.90 )
NPBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 11.1
Current: 6.9

1.2
11.1
Forward Rate of Return (Yacktman) 8.73
NPBC's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. NPBC: 8.73 )
NPBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.9   Max: 33.8
Current: 8.73

0.9
33.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
National Penn Bancshares is a Pennsylvania business corporation and a registered bank holding company headquartered in Boyertown, Pennsylvania. National Penn was incorporated in January 1982. The Company provides a range of financial services, mainly through its national bank subsidiary, National Penn Bank including its KNBT, Nittany and HomeTowne Heritage Divisions. It also conducts business through various other direct or indirect subsidiaries. Commercial banking is its main business focus. Commercial banking services are provided to small and medium sized businesses with annual gross revenues generally between $1 million and $100 million located primarily in its market areas. The Company offers a range of products including short-term loans for seasonal and working capital purposes, term loans secured by real estate and other assets, loans for construction and expansion needs, revolving credit facilities, and a full array of cash management services, including remote deposit capture, disbursement, collection, investment and electronic banking services. Its customized product offerings are tailored to serve a wide range of customers from small business and middle market clients to municipalities and school districts with a focus on cost effective products designed to improve cash flow and cash utilization. The Company also engages in commercial real estate lending, including loans to developers of both residential and commercial projects. It offers a range of deposit accounts, which include demand, NOW, money market, other checking and savings accounts, and certificates of deposits. It also offer consumer loan products such as installment loans, home equity loans, residential mortgage loans, educational loans and credit cards. In addition, it offers automated teller services, safe deposit and night depository facilities and internet banking services, including on-line bill paying and mobile banking. In addition to generation of fee income through its commercial and consumer banking operations, including mortgage lending, it has a number of specialized investment and insurance businesses to develop fee income and to serve specific markets. National Penn has operated 114 retail branch offices throughout thirteen counties in eastern Pennsylvania, five retail branch offices in Centre County, Pennsylvania, and one retail branch office in Cecil County, Maryland. The Company faces competition from Commercial banks; Savings and loan associations; Finance companies; Credit unions; Trust companies; Mortgage companies; Money market mutual funds; Insurance companies; and Brokerage and investment firms.
» More Articles for NPBC

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