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10.1 (1y: +16%)
Market Cap 1.52 B P/E(ttm) 27.50
Enterprise Value 1.71 B P/B 1.30
NPBC- NAS (USA)
National Penn Bancshares
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$10.10
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.604
NPBC's Cash to Debt is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. NPBC: 0.604 )
NPBC' s 10-Year Cash to Debt Range
Min: 0.15   Max: 0.82
Current: 0.6
0.15
0.82
Equity to Asset 0.105
NPBC's Equity to Asset is ranked higher than
77% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. NPBC: 0.105 )
NPBC' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage No Debt
NPBC's Interest Coverage is ranked lower than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. NPBC: No Debt )
NPBC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.25
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 8/10

vs
industry		 vs
history
Operating margin (%) 37.60
NPBC's Operating margin (%) is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. NPBC: 37.60 )
NPBC' s 10-Year Operating margin (%) Range
Min: -164   Max: 38.6
Current: 37.6
-164
38.6
Net-margin (%) 28.3
NPBC's Net-margin (%) is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. NPBC: 28.3 )
NPBC' s 10-Year Net-margin (%) Range
Min: -138.7   Max: 29.1
Current: 28.3
-138.7
29.1
ROE (%) 8.5
NPBC's ROE (%) is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. NPBC: 8.5 )
NPBC' s 10-Year ROE (%) Range
Min: -32.5   Max: 18.6
Current: 8.5
-32.5
18.6
ROA (%) 1.2
NPBC's ROA (%) is ranked higher than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. NPBC: 1.2 )
NPBC' s 10-Year ROA (%) Range
Min: -3.7   Max: 1.3
Current: 1.2
-3.7
1.3
Revenue Growth (%) -2.2
NPBC's Revenue Growth (%) is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NPBC: -2.2 )
NPBC' s 10-Year Revenue Growth (%) Range
Min: -13   Max: 8.5
Current: -2.2
-13
8.5
ยป NPBC's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

NPBC Guru Trades in Q2 2012

Paul Tudor Jones 16,500 sh (New)
Diamond Hill Capital 1,182,808 sh (+1.54%)
Tom Russo 4,644 sh (unchged)
Steven Cohen Sold Out
Richard Pzena 3,000,033 sh (-11.66%)
Jim Simons 181,272 sh (-46.84%)
» More
Q3 2012

NPBC Guru Trades in Q3 2012

Steven Cohen 29,933 sh (New)
Tom Russo 4,644 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons Sold Out
Diamond Hill Capital 1,162,183 sh (-1.74%)
Richard Pzena 2,743,633 sh (-8.55%)
» More
Q4 2012

NPBC Guru Trades in Q4 2012

Jim Simons 118,320 sh (New)
Diamond Hill Capital 1,202,559 sh (+3.47%)
Tom Russo 4,644 sh (unchged)
Louis Moore Bacon 77,900 sh (unchged)
Richard Pzena 2,740,658 sh (-0.11%)
Steven Cohen 20,866 sh (-30.29%)
» More
Q1 2013

NPBC Guru Trades in Q1 2013

Steven Cohen 22,073 sh (+5.78%)
Diamond Hill Capital 1,206,909 sh (+0.36%)
Tom Russo 4,644 sh (unchged)
Richard Pzena 2,694,613 sh (-1.68%)
Jim Simons 51,820 sh (-56.2%)
» More
» Details

Insider Trades

Latest Guru Trades with NPBC



No Insider Trades Found!

Top Ranked Articles about National Penn Bancshares

Weekly Top Insider Buys: ADBC, NPBC, BSET, ADC, EXA
January 21, 2013
According to GuruFocus Insider Data, these are the largest insider buys during the past week: Adobe Systems Inc. (ADBE), National Penn Bancshares (NPBC), Bassett Furniture Industries (BSET), Agree Realty Corporation (ADC) and Exa Corp (EXA). Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 27.50
NPBC's P/E(ttm) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. NPBC: 27.50 )
NPBC' s 10-Year P/E(ttm) Range
Min: 9.48   Max: 80.09
Current: 27.5
9.48
80.09
P/B 1.30
NPBC's P/B is ranked lower than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NPBC: 1.30 )
NPBC' s 10-Year P/B Range
Min: 0.3   Max: 2.95
Current: 1.3
0.3
2.95
P/S 5.30
NPBC's P/S is ranked lower than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. NPBC: 5.30 )
NPBC' s 10-Year P/S Range
Min: 1.33   Max: 5.66
Current: 5.3
1.33
5.66
PFCF 9.70
NPBC's PFCF is ranked lower than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NPBC: 9.70 )
NPBC' s 10-Year PFCF Range
Min: 3.26   Max: 20.47
Current: 9.7
3.26
20.47
EV-to-EBIT 25
NPBC's EV-to-EBIT is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. NPBC: 25 )
NPBC' s 10-Year EV-to-EBIT Range
Min: 11.3   Max: 86.6
Current: 25
11.3
86.6
Shiller P/E 281.4
NPBC's Shiller P/E is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. NPBC: 281.4 )
NPBC' s 10-Year Shiller P/E Range
Min: 3.84   Max: 310.67
Current: 281.4
3.84
310.67

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.86
NPBC's Dividend Yield is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. NPBC: 3.86 )
NPBC' s 10-Year Dividend Yield Range
Min: 0.46   Max: 13.7
Current: 3.86
0.46
13.7
Dividend Payout 0.9551
NPBC's Dividend Payout is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. NPBC: 0.9551 )
NPBC' s 10-Year Dividend Payout Range
Min: 0.16   Max: 1.62
Current: 0.96
0.16
1.62
Dividend growth (3y) 10
NPBC's Dividend growth (3y) is ranked higher than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. NPBC: 10 )
NPBC' s 10-Year Dividend growth (3y) Range
Min: -50.3   Max: 10
Current: 10
-50.3
10
Yield on cost (5-Year) 1.29
NPBC's Yield on cost (5-Year) is ranked lower than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. NPBC: 1.29 )
NPBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.16   Max: 4.66
Current: 1.29
0.16
4.66
Share Buyback Rate -11.2
NPBC's Share Buyback Rate is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. NPBC: -11.2 )
NPBC' s 10-Year Share Buyback Rate Range
Min: -0.7   Max: -26.7
Current: -11.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.6
NPBC's Price/Tangible Book is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NPBC: 1.6 )
NPBC' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 4.2
Current: 1.6
0.8
4.2
Price/DCF (Projected) 0.7
NPBC's Price/DCF (Projected) is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. NPBC: 0.7 )
NPBC' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 1
Current: 0.7
0.5
1
Price/Median PS Value 1.4
NPBC's Price/Median PS Value is ranked higher than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. NPBC: 1.4 )
NPBC' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.3
Current: 1.4
0.6
1.3
Price/Graham Number 1.1
NPBC's Price/Graham Number is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. NPBC: 1.1 )
NPBC' s 10-Year Price/Graham Number Range
Min: 1   Max: 1.9
Current: 1.1
1
1.9
Earnings Yield (Greenblatt) 4.00
NPBC's Earnings Yield (Greenblatt) is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NPBC: 4.00 )
NPBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 8.9
Current: 4
1.2
8.9
Forward Rate of Return (Yacktman) 8.4
NPBC's Forward Rate of Return (Yacktman) is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. NPBC: 8.4 )
NPBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 9.7   Max: 22.1
Current: 8.4
9.7
22.1

Business Description

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 wide 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 116 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for NPBC

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