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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 0.22
NPBC's Cash to Debt is ranked higher than
62% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
NPBC' s 10-Year Cash to Debt Range
Min: 0.13   Max: 1.14
Current: 0.22

0.13
1.14
Equity to Asset 0.12
NPBC's Equity to Asset is ranked higher than
80% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.07 vs. NPBC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NPBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.12

0.07
0.14
Interest Coverage 4.28
NPBC's Interest Coverage is ranked higher than
87% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. NPBC: 4.28 )
Ranked among companies with meaningful Interest Coverage only.
NPBC' s 10-Year Interest Coverage Range
Min: 0.12   Max: 4.28
Current: 4.28

0.12
4.28
F-Score: 5
Z-Score: 0.18
WACC vs ROIC
7.71%
6.10%
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 (%) 38.66
NPBC's Operating margin (%) is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.01 vs. NPBC: 38.66 )
Ranked among companies with meaningful Operating margin (%) only.
NPBC' s 10-Year Operating margin (%) Range
Min: -164.01   Max: 38.3
Current: 38.66

-164.01
38.3
Net-margin (%) 28.76
NPBC's Net-margin (%) is ranked higher than
82% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. NPBC: 28.76 )
Ranked among companies with meaningful Net-margin (%) only.
NPBC' s 10-Year Net-margin (%) Range
Min: -138.67   Max: 29.11
Current: 28.76

-138.67
29.11
ROE (%) 9.15
NPBC's ROE (%) is ranked higher than
72% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.08 vs. NPBC: 9.15 )
Ranked among companies with meaningful ROE (%) only.
NPBC' s 10-Year ROE (%) Range
Min: -30.94   Max: 18.07
Current: 9.15

-30.94
18.07
ROA (%) 1.14
NPBC's ROA (%) is ranked higher than
82% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.35 vs. NPBC: 1.14 )
Ranked among companies with meaningful ROA (%) only.
NPBC' s 10-Year ROA (%) Range
Min: -3.69   Max: 1.49
Current: 1.14

-3.69
1.49
ROC (Joel Greenblatt) (%) 125.81
NPBC's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.53 vs. NPBC: 125.81 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NPBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -352.62   Max: 300.74
Current: 125.81

-352.62
300.74
Revenue Growth (3Y)(%) 2.00
NPBC's Revenue Growth (3Y)(%) is ranked higher than
74% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. NPBC: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NPBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -16.9   Max: 8.5
Current: 2

-16.9
8.5
EBITDA Growth (3Y)(%) 6.70
NPBC's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 6.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NPBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -41.2   Max: 14.5
Current: 6.7

-41.2
14.5
EPS Growth (3Y)(%) 7.70
NPBC's EPS Growth (3Y)(%) is ranked higher than
74% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 7.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NPBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -57.6   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

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 (+20.80%)
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

Private Capital 20,765 sh (New)
Paul Tudor Jones 13,419 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
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.70
NPBC's P/E(ttm) is ranked higher than
64% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. NPBC: 14.70 )
Ranked among companies with meaningful P/E(ttm) only.
NPBC' s 10-Year P/E(ttm) Range
Min: 9.5   Max: 80.09
Current: 14.7

9.5
80.09
Forward P/E 12.71
NPBC's Forward P/E is ranked higher than
64% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 12.71 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.70
NPBC's PE(NRI) is ranked higher than
69% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.40 vs. NPBC: 14.70 )
Ranked among companies with meaningful PE(NRI) only.
NPBC' s 10-Year PE(NRI) Range
Min: 9.48   Max: 79.36
Current: 14.7

9.48
79.36
P/B 1.30
NPBC's P/B is ranked lower than
64% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NPBC: 1.30 )
Ranked among companies with meaningful P/B only.
NPBC' s 10-Year P/B Range
Min: 0.37   Max: 2.39
Current: 1.3

0.37
2.39
P/S 4.28
NPBC's P/S is ranked lower than
76% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 4.28 )
Ranked among companies with meaningful P/S only.
NPBC' s 10-Year P/S Range
Min: 1.33   Max: 5.69
Current: 4.28

1.33
5.69
PFCF 18.80
NPBC's PFCF is ranked higher than
61% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.00 vs. NPBC: 18.80 )
Ranked among companies with meaningful PFCF only.
NPBC' s 10-Year PFCF Range
Min: 3.4   Max: 20.33
Current: 18.8

3.4
20.33
POCF 12.79
NPBC's POCF is ranked higher than
69% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 12.79 )
Ranked among companies with meaningful POCF only.
NPBC' s 10-Year POCF Range
Min: 3.14   Max: 17.69
Current: 12.79

3.14
17.69
EV-to-EBIT 16.86
NPBC's EV-to-EBIT is ranked higher than
61% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.38 vs. NPBC: 16.86 )
Ranked among companies with meaningful EV-to-EBIT only.
NPBC' s 10-Year EV-to-EBIT Range
Min: -750.7   Max: 86.6
Current: 16.86

-750.7
86.6
Days Sales Outstanding 30.68
NPBC's Days Sales Outstanding is ranked higher than
84% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 30.68 )
Ranked among companies with meaningful Days Sales Outstanding only.
NPBC' s 10-Year Days Sales Outstanding Range
Min: 28.28   Max: 53.17
Current: 30.68

28.28
53.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.00
NPBC's Dividend Yield is ranked higher than
77% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. NPBC: 4.00 )
Ranked among companies with meaningful Dividend Yield only.
NPBC' s 10-Year Dividend Yield Range
Min: 0.46   Max: 13.7
Current: 4

0.46
13.7
Dividend Payout 0.58
NPBC's Dividend Payout is ranked higher than
50% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
NPBC' s 10-Year Dividend Payout Range
Min: 0.07   Max: 8.5
Current: 0.58

0.07
8.5
Dividend growth (3y) 65.80
NPBC's Dividend growth (3y) is ranked higher than
98% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 65.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
NPBC' s 10-Year Dividend growth (3y) Range
Min: -60.7   Max: 95.7
Current: 65.8

-60.7
95.7
Yield on cost (5-Year) 15.88
NPBC's Yield on cost (5-Year) is ranked higher than
97% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 15.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NPBC' s 10-Year Yield on cost (5-Year) Range
Min: 1.78   Max: 53.06
Current: 15.88

1.78
53.06
Share Buyback Rate 2.20
NPBC's Share Buyback Rate is ranked higher than
94% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 2.20 )
Ranked among companies with meaningful Share Buyback Rate only.
NPBC' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -36.9
Current: 2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
NPBC's Price/Tangible Book is ranked lower than
58% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 1.80 )
Ranked among companies with meaningful Price/Tangible Book only.
NPBC' s 10-Year Price/Tangible Book Range
Min: 0.91   Max: 6.21
Current: 1.8

0.91
6.21
Price/DCF (Projected) 0.60
NPBC's Price/DCF (Projected) is ranked higher than
83% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 0.60 )
Ranked among companies with meaningful Price/DCF (Projected) only.
NPBC' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 1.43
Current: 0.6

0.24
1.43
Price/Median PS Value 1.00
NPBC's Price/Median PS Value is ranked higher than
76% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
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
54% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NPBC: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
NPBC' s 10-Year Price/Graham Number Range
Min: 0.87   Max: 2
Current: 1.1

0.87
2
Earnings Yield (Greenblatt) 5.90
NPBC's Earnings Yield (Greenblatt) is ranked higher than
60% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.00 vs. NPBC: 5.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
NPBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 11.1
Current: 5.9

1.2
11.1
Forward Rate of Return (Yacktman) -4.20
NPBC's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NPBC: -4.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
NPBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.5   Max: 29.9
Current: -4.2

-3.5
29.9

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

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