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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 0.35
NPBC's Cash to Debt is ranked higher than
61% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. NPBC: 0.35 )
NPBC' s 10-Year Cash to Debt Range
Min: 0.13   Max: 1.14
Current: 0.35

0.13
1.14
Equity to Asset 0.13
NPBC's Equity to Asset is ranked higher than
88% of the 2010 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
73% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 0.20
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 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 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 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 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 2031 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 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 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
84% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. NPBC: 125.01 )
NPBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -352.62   Max: 300.74
Current: 125.01

-352.62
300.74
Revenue Growth (%) -5.90
NPBC's Revenue Growth (%) is ranked higher than
60% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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 1547 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

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
Q3 2014

NPBC Guru Trades in Q3 2014

Jim Simons 559,820 sh (+20.8%)
Diamond Hill Capital 2,024,868 sh (+7.61%)
Richard Pzena 2,970,779 sh (-0.07%)
» 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 $ 10.3-4%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
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 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
73% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. NPBC: 1.30 )
NPBC' s 10-Year P/B Range
Min: 0.37   Max: 2.56
Current: 1.3

0.37
2.56
P/S 4.20
NPBC's P/S is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. NPBC: 4.20 )
NPBC' s 10-Year P/S Range
Min: 1.33   Max: 5.69
Current: 4.2

1.33
5.69
PFCF 16.50
NPBC's PFCF is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NPBC: 16.50 )
NPBC' s 10-Year PFCF Range
Min: 3.4   Max: 20.33
Current: 16.5

3.4
20.33
EV-to-EBIT 14.59
NPBC's EV-to-EBIT is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. NPBC: 14.59 )
NPBC' s 10-Year EV-to-EBIT Range
Min: -750.7   Max: 86.6
Current: 14.59

-750.7
86.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.10
NPBC's Dividend Yield is ranked higher than
81% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. NPBC: 4.10 )
NPBC' s 10-Year Dividend Yield Range
Min: 0.46   Max: 13.7
Current: 4.1

0.46
13.7
Dividend Payout 0.59
NPBC's Dividend Payout is ranked higher than
64% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. NPBC: 0.59 )
NPBC' s 10-Year Dividend Payout Range
Min: 0.07   Max: 8.5
Current: 0.59

0.07
8.5
Dividend growth (3y) 95.70
NPBC's Dividend growth (3y) is ranked higher than
99% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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) 14.09
NPBC's Yield on cost (5-Year) is ranked higher than
96% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. NPBC: 14.09 )
NPBC' s 10-Year Yield on cost (5-Year) Range
Min: 1.58   Max: 47.07
Current: 14.09

1.58
47.07
Share Buyback Rate -4.40
NPBC's Share Buyback Rate is ranked higher than
66% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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
70% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 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) 0.70
NPBC's Price/DCF (Projected) is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. NPBC: 0.70 )
NPBC' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 1.43
Current: 0.7

0.24
1.43
Price/Median PS Value 1.00
NPBC's Price/Median PS Value is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. NPBC: 1.00 )
NPBC' s 10-Year Price/Median PS Value Range
Min: 0.36   Max: 1.3
Current: 1

0.36
1.3
Price/Graham Number 1.10
NPBC's Price/Graham Number is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. NPBC: 1.10 )
NPBC' s 10-Year Price/Graham Number Range
Min: 0.87   Max: 3.13
Current: 1.1

0.87
3.13
Earnings Yield (Greenblatt) 6.90
NPBC's Earnings Yield (Greenblatt) is ranked higher than
75% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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) -3.49
NPBC's Forward Rate of Return (Yacktman) is ranked higher than
56% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. NPBC: -3.49 )
NPBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.5   Max: 29.9
Current: -3.49

-3.5
29.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
National Penn Bancshares is a Pennsylvania business corporation incorporated in January 1982. The Company is a registered bank holding company. The Company provides financial services, through its subsidiary National Penn Bank. The Company through its subsidiaries is engaged in activities related to the business of banking. National Penn's financial services affiliates consist of National Penn Wealth Management, N.A., including its National Penn Investors Trust Company division; National Penn Capital Advisors, Inc.; Institutional Advisors, LLC; National Penn Insurance Services Group, Inc., including its Higgins Insurance and Caruso Benefits divisions. 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 in its market areas. offer 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. Consumer banking offers deposit accounts, which include demand, NOW, money market, other checking and savings accounts, and certificates of deposit. It also offers consumer loan products such as installment loans, home equity loans, residential mortgage loans, education 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 the Company has a number of specialized investment and insurance businesses to develop fee income and to serve specific markets. The Company also provides loans directly to consumers within its markets to finance personal residences, automobiles, college tuition, home improvements and other personal needs. The Company also makes indirect loans to customers for the purchase of both new and used vehicles. The majority of residential mortgages is conformed to FNMA and FHLMC underwriting criteria and is sold to secondary market investors. Other residential products such as jumbo mortgages are originated and typically held in its loan portfolio. The Company also provides home equity loans, home equity lines of credit and other consumer loans through its network of retail branch offices and its Private Banking division. The Company is subject to various federal and state statutes applicable to banks chartered in the United States, as well as regulations of the Office of the Comptroller of the Currency.
» More Articles for NPBC

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