Switch to:

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 0.22
NPBC's Cash to Debt is ranked lower than
80% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. NPBC: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
NPBC' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.37 Max: 1.14
Current: 0.22
0.13
1.14
Equity to Asset 0.12
NPBC's Equity to Asset is ranked higher than
68% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NPBC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NPBC' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.14
Current: 0.12
0.07
0.14
Interest Coverage 4.28
NPBC's Interest Coverage is ranked higher than
77% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. NPBC: 4.28 )
Ranked among companies with meaningful Interest Coverage only.
NPBC' s 10-Year Interest Coverage Range
Min: 0.12  Med: 0.53 Max: 4.28
Current: 4.28
0.12
4.28
F-Score: 5
WACC vs ROIC
7.81%
5.85%
WACC
ROIC
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 (%) 38.58
NPBC's Operating margin (%) is ranked higher than
70% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. NPBC: 38.58 )
Ranked among companies with meaningful Operating margin (%) only.
NPBC' s 10-Year Operating margin (%) Range
Min: -164.01  Med: 32.25 Max: 38.3
Current: 38.58
-164.01
38.3
Net-margin (%) 28.72
NPBC's Net-margin (%) is ranked higher than
69% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. NPBC: 28.72 )
Ranked among companies with meaningful Net-margin (%) only.
NPBC' s 10-Year Net-margin (%) Range
Min: -138.67  Med: 25.09 Max: 29.11
Current: 28.72
-138.67
29.11
ROE (%) 9.16
NPBC's ROE (%) is ranked higher than
55% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. NPBC: 9.16 )
Ranked among companies with meaningful ROE (%) only.
NPBC' s 10-Year ROE (%) Range
Min: -31.69  Med: 12.94 Max: 18.07
Current: 9.16
-31.69
18.07
ROA (%) 1.12
NPBC's ROA (%) is ranked higher than
67% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NPBC: 1.12 )
Ranked among companies with meaningful ROA (%) only.
NPBC' s 10-Year ROA (%) Range
Min: -3.69  Med: 1.20 Max: 1.49
Current: 1.12
-3.69
1.49
Revenue Growth (3Y)(%) 2.00
NPBC's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. NPBC: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NPBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -16.9  Med: 4.70 Max: 8.5
Current: 2
-16.9
8.5
EBITDA Growth (3Y)(%) 6.70
NPBC's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. NPBC: 6.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NPBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -42  Med: 6.70 Max: 14.5
Current: 6.7
-42
14.5
EPS Growth (3Y)(%) 7.70
NPBC's EPS Growth (3Y)(%) is ranked lower than
56% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. NPBC: 7.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NPBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -57.6  Med: 7.70 Max: 54.7
Current: 7.7
-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 2014

NPBC Guru Trades in Q3 2014

Jim Simons 559,820 sh (+20.80%)
Diamond Hill Capital 2,024,868 sh (+7.61%)
Richard Pzena 2,970,779 sh (-0.07%)
» More
Q4 2014

NPBC Guru Trades in Q4 2014

Paul Tudor Jones 13,419 sh (New)
Private Capital 20,765 sh (New)
Jim Simons 582,281 sh (+4.01%)
Diamond Hill Capital 2,083,753 sh (+2.91%)
Richard Pzena 2,789,079 sh (-6.12%)
» More
Q1 2015

NPBC Guru Trades in Q1 2015

James Barrow 209,978 sh (New)
Paul Tudor Jones 63,933 sh (+376.44%)
Diamond Hill Capital 2,628,049 sh (+26.12%)
Private Capital 20,765 sh (unchged)
Richard Pzena 2,709,611 sh (-2.85%)
Jim Simons 410,026 sh (-29.58%)
» More
Q2 2015

NPBC Guru Trades in Q2 2015

Jim Simons 770,281 sh (+87.86%)
Diamond Hill Capital 2,829,204 sh (+7.65%)
Richard Pzena 2,733,386 sh (+0.88%)
Private Capital 20,765 sh (unchged)
James Barrow Sold Out
Paul Tudor Jones 53,888 sh (-15.71%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.38
NPBC's P/E(ttm) is ranked lower than
68% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. NPBC: 16.38 )
Ranked among companies with meaningful P/E(ttm) only.
NPBC' s 10-Year P/E(ttm) Range
Min: 9.5  Med: 15.37 Max: 80.09
Current: 16.38
9.5
80.09
Forward P/E 14.25
NPBC's Forward P/E is ranked lower than
77% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. NPBC: 14.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.50
NPBC's PE(NRI) is ranked lower than
68% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NPBC: 16.50 )
Ranked among companies with meaningful PE(NRI) only.
NPBC' s 10-Year PE(NRI) Range
Min: 9.48  Med: 15.34 Max: 79.36
Current: 16.5
9.48
79.36
P/B 1.47
NPBC's P/B is ranked lower than
78% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. NPBC: 1.47 )
Ranked among companies with meaningful P/B only.
NPBC' s 10-Year P/B Range
Min: 0.37  Med: 1.29 Max: 2.39
Current: 1.47
0.37
2.39
P/S 4.69
NPBC's P/S is ranked lower than
80% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. NPBC: 4.69 )
Ranked among companies with meaningful P/S only.
NPBC' s 10-Year P/S Range
Min: 1.33  Med: 4.04 Max: 5.88
Current: 4.69
1.33
5.88
PFCF 18.03
NPBC's PFCF is ranked lower than
77% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. NPBC: 18.03 )
Ranked among companies with meaningful PFCF only.
NPBC' s 10-Year PFCF Range
Min: 3.37  Med: 11.50 Max: 31.33
Current: 18.03
3.37
31.33
POCF 14.67
NPBC's POCF is ranked lower than
76% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. NPBC: 14.67 )
Ranked among companies with meaningful POCF only.
NPBC' s 10-Year POCF Range
Min: 3.14  Med: 10.48 Max: 20.12
Current: 14.67
3.14
20.12
EV-to-EBIT 18.08
NPBC's EV-to-EBIT is ranked lower than
67% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. NPBC: 18.08 )
Ranked among companies with meaningful EV-to-EBIT only.
NPBC' s 10-Year EV-to-EBIT Range
Min: -750.7  Med: 16.30 Max: 86.6
Current: 18.08
-750.7
86.6
Days Sales Outstanding 29.36
NPBC's Days Sales Outstanding is ranked higher than
58% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. NPBC: 29.36 )
Ranked among companies with meaningful Days Sales Outstanding only.
NPBC' s 10-Year Days Sales Outstanding Range
Min: 28.28  Med: 36.71 Max: 53.17
Current: 29.36
28.28
53.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.70
NPBC's Dividend Yield is ranked higher than
67% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. NPBC: 3.70 )
Ranked among companies with meaningful Dividend Yield only.
NPBC' s 10-Year Dividend Yield Range
Min: 0.46  Med: 3.44 Max: 13.7
Current: 3.7
0.46
13.7
Dividend Payout 0.59
NPBC's Dividend Payout is ranked lower than
81% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NPBC: 0.59 )
Ranked among companies with meaningful Dividend Payout only.
NPBC' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.50 Max: 8.5
Current: 0.59
0.07
8.5
Dividend growth (3y) 65.80
NPBC's Dividend growth (3y) is ranked higher than
95% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NPBC: 65.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
NPBC' s 10-Year Dividend growth (3y) Range
Min: -60.7  Med: 9.00 Max: 95.7
Current: 65.8
-60.7
95.7
Yield on cost (5-Year) 14.33
NPBC's Yield on cost (5-Year) is ranked higher than
95% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. NPBC: 14.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NPBC' s 10-Year Yield on cost (5-Year) Range
Min: 1.78  Med: 13.32 Max: 53.06
Current: 14.33
1.78
53.06
Share Buyback Rate 2.20
NPBC's Share Buyback Rate is ranked higher than
92% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. NPBC: 2.20 )
Ranked among companies with meaningful Share Buyback Rate only.
NPBC' s 10-Year Share Buyback Rate Range
Min: 2.2  Med: -7.20 Max: -37.1
Current: 2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.01
NPBC's Price/Tangible Book is ranked lower than
87% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NPBC: 2.01 )
Ranked among companies with meaningful Price/Tangible Book only.
NPBC' s 10-Year Price/Tangible Book Range
Min: 0.91  Med: 2.30 Max: 4.39
Current: 2.01
0.91
4.39
Price/Projected FCF 0.64
NPBC's Price/Projected FCF is ranked higher than
50% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. NPBC: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
NPBC' s 10-Year Price/Projected FCF Range
Min: 0.25  Med: 0.80 Max: 1.43
Current: 0.64
0.25
1.43
Price/Median PS Value 1.17
NPBC's Price/Median PS Value is ranked lower than
67% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NPBC: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
NPBC' s 10-Year Price/Median PS Value Range
Min: 0.37  Med: 1.00 Max: 1.45
Current: 1.17
0.37
1.45
Price/Graham Number 1.20
NPBC's Price/Graham Number is ranked lower than
82% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. NPBC: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
NPBC' s 10-Year Price/Graham Number Range
Min: 0.87  Med: 1.34 Max: 1.99
Current: 1.2
0.87
1.99
Earnings Yield (Greenblatt) (%) 5.53
NPBC's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. NPBC: 5.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NPBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.2  Med: 5.90 Max: 8.2
Current: 5.53
1.2
8.2
Forward Rate of Return (Yacktman) (%) -3.00
NPBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
81% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. NPBC: -3.00 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NPBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1.2  Med: 14.60 Max: 29.9
Current: -3
-1.2
29.9

Analyst Estimate

Dec15 Dec16
EPS($) 0.77 0.84
EPS without NRI($) 0.77 0.84

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:NB2.Germany,
National Penn Bancshares Inc 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

Headlines

Articles On GuruFocus.com
Private Capital Expands Stakes in Visteon Corp, Noble Corp Mar 18 2015 
This Major Oil Producer Just Increased Its Dividend 40% Jul 30 2012 
Weekly Top Insider Buys: AES, ITT, NPBC, ADTN, ABM Jul 23 2012 
6 Stocks Delivering More Cash with Higher Dividends Apr 09 2012 
Guru Stocks Raising Dividends: SKT, PNC, NPBC, QRE, EBF Apr 09 2012 
5 Hot Stocks to Consider Now Mar 30 2012 
Weekly Top Insider Buys: APA, DLTR, PTP, NPBC, GABC Oct 24 2011 
comment on NPBC Sep 24 2011 
insiders and Nationa Sep 24 2011 
insiders Aug 15 2011 

More From Other Websites
SHAREHOLDER ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of National Penn... Aug 28 2015
SHAREHOLDER ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of National Penn... Aug 25 2015
NATIONAL PENN SHAREHOLDER NOTICE: Faruqi & Faruqi, LLP Announces the Investigation of National Penn... Aug 21 2015
NATIONAL PENN BANCSHARES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Aug 20 2015
WeissLaw LLP Investigates The National Penn Bancshares, Inc. Acquisition Aug 20 2015
NATIONAL PENN BANCSHARES INC Financials Aug 20 2015
NATIONAL PENN SHAREHOLDER NOTICE: Faruqi & Faruqi, LLP Announces the Investigation of National Penn... Aug 20 2015
NATIONAL PENN BANCSHARES, INC. SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces Investigation Of... Aug 19 2015
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Notifies Shareholders of National Penn Bancshares, Inc. of... Aug 19 2015
Ryan & Maniskas, LLP Announces Investigation of National Penn Bancshares Inc. Aug 19 2015
Company News for August 19, 2015 Aug 19 2015
Deal Volume Heats Up Among Midsize Banks Aug 18 2015
Benzinga's M&A Chatter for Tuesday August 18, 2015 Aug 18 2015
BB&T on Buying Spree: National Penn Next Aug 18 2015
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Notifies Shareholders of National Penn Bancshares, Inc. of... Aug 18 2015
Investor Alert: Bronstein, Gewirtz & Grossman, LLC Announces Investigation of National Penn... Aug 18 2015
BB&T Expands With $1.8 Billion National Penn Deal Aug 18 2015
BB&T Buys National Penn Bancshares Inc for $1.8B in Cash and Stock Aug 18 2015
Robbins Arroyo LLP: Acquisition of National Penn Bancshares, Inc. (NPBC) by BB&T Corporation (BBT)... Aug 18 2015
National Penn Bancshares, Inc. Shareholder Alert: Former SEC Attorney Willie Briscoe and Powers... Aug 18 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK