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Also traded in: Germany

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 0.20
NPBC's Cash to Debt is ranked lower than
85% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. NPBC: 0.20 )
Ranked among companies with meaningful Cash to Debt only.
NPBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.39 Max: 0.82
Current: 0.2
0.15
0.82
Equity to Asset 0.12
NPBC's Equity to Asset is ranked higher than
68% of the 1660 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 Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.10 Max: 0.14
Current: 0.12
0.07
0.14
Interest Coverage 4.34
NPBC's Interest Coverage is ranked higher than
77% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. NPBC: 4.34 )
Ranked among companies with meaningful Interest Coverage only.
NPBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 1.30 Max: 4.34
Current: 4.34
0.12
4.34
F-Score: 5
M-Score: -2.49
WACC vs ROIC
4.87%
5.80%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 40.96
NPBC's Operating margin (%) is ranked higher than
72% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. NPBC: 40.96 )
Ranked among companies with meaningful Operating margin (%) only.
NPBC' s Operating margin (%) Range Over the Past 10 Years
Min: -164.01  Med: 33.95 Max: 40.96
Current: 40.96
-164.01
40.96
Net-margin (%) 30.31
NPBC's Net-margin (%) is ranked higher than
70% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. NPBC: 30.31 )
Ranked among companies with meaningful Net-margin (%) only.
NPBC' s Net-margin (%) Range Over the Past 10 Years
Min: -138.67  Med: 26.51 Max: 30.31
Current: 30.31
-138.67
30.31
ROE (%) 9.58
NPBC's ROE (%) is ranked higher than
58% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. NPBC: 9.58 )
Ranked among companies with meaningful ROE (%) only.
NPBC' s ROE (%) Range Over the Past 10 Years
Min: -31.69  Med: 7.87 Max: 12.94
Current: 9.58
-31.69
12.94
ROA (%) 1.15
NPBC's ROA (%) is ranked higher than
67% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NPBC: 1.15 )
Ranked among companies with meaningful ROA (%) only.
NPBC' s ROA (%) Range Over the Past 10 Years
Min: -3.69  Med: 1.05 Max: 1.28
Current: 1.15
-3.69
1.28
Revenue Growth (3Y)(%) 3.60
NPBC's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. NPBC: 3.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NPBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.9  Med: 3.90 Max: 8.4
Current: 3.6
-16.9
8.4
EBITDA Growth (3Y)(%) 5.20
NPBC's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NPBC: 5.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NPBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -41.1  Med: 6.50 Max: 14.6
Current: 5.2
-41.1
14.6
EPS Growth (3Y)(%) 6.00
NPBC's EPS Growth (3Y)(%) is ranked lower than
56% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NPBC: 6.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NPBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -57  Med: 7.70 Max: 52.1
Current: 6
-57
52.1
» NPBC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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

» Details

Guru Trades

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)
Barrow, Hanley, Mewhinney & Strauss Sold Out
Paul Tudor Jones 53,888 sh (-15.71%)
» More
Q3 2015

NPBC Guru Trades in Q3 2015

Mario Gabelli 39,150 sh (New)
Jeremy Grantham 527,723 sh (New)
Paul Tudor Jones 680,244 sh (+1162.33%)
Jim Simons 1,478,281 sh (+91.91%)
Diamond Hill Capital 2,816,933 sh (-0.43%)
Richard Pzena 2,584,286 sh (-5.45%)
Private Capital 18,900 sh (-8.98%)
» More
Q4 2015

NPBC Guru Trades in Q4 2015

John Hussman 200,000 sh (New)
Paul Tudor Jones 1,061,387 sh (+56.03%)
Jim Simons 1,848,671 sh (+25.06%)
Private Capital 18,900 sh (unchged)
Mario Gabelli 39,150 sh (unchged)
Jeremy Grantham Sold Out
Richard Pzena 2,549,492 sh (-1.35%)
Diamond Hill Capital 2,681,398 sh (-4.81%)
» More
Q1 2016

NPBC Guru Trades in Q1 2016

Mario Gabelli 125,950 sh (+221.71%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.57
NPBC's P/E(ttm) is ranked lower than
54% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. NPBC: 13.57 )
Ranked among companies with meaningful P/E(ttm) only.
NPBC' s P/E(ttm) Range Over the Past 10 Years
Min: 9.5  Med: 15.23 Max: 80.09
Current: 13.57
9.5
80.09
PE(NRI) 13.74
NPBC's PE(NRI) is ranked lower than
55% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. NPBC: 13.74 )
Ranked among companies with meaningful PE(NRI) only.
NPBC' s PE(NRI) Range Over the Past 10 Years
Min: 9.48  Med: 15.14 Max: 79.36
Current: 13.74
9.48
79.36
Price/Owner Earnings (ttm) 12.45
NPBC's Price/Owner Earnings (ttm) is ranked lower than
51% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. NPBC: 12.45 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NPBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.97  Med: 13.67 Max: 21.05
Current: 12.45
8.97
21.05
P/B 1.29
NPBC's P/B is ranked lower than
69% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NPBC: 1.29 )
Ranked among companies with meaningful P/B only.
NPBC' s P/B Range Over the Past 10 Years
Min: 0.37  Med: 1.28 Max: 2.18
Current: 1.29
0.37
2.18
P/S 4.16
NPBC's P/S is ranked lower than
73% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. NPBC: 4.16 )
Ranked among companies with meaningful P/S only.
NPBC' s P/S Range Over the Past 10 Years
Min: 1.33  Med: 4.02 Max: 4.88
Current: 4.16
1.33
4.88
POCF 12.36
NPBC's POCF is ranked lower than
68% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. NPBC: 12.36 )
Ranked among companies with meaningful POCF only.
NPBC' s POCF Range Over the Past 10 Years
Min: 3.08  Med: 10.57 Max: 20.16
Current: 12.36
3.08
20.16
EV-to-EBIT 15.65
NPBC's EV-to-EBIT is ranked lower than
60% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. NPBC: 15.65 )
Ranked among companies with meaningful EV-to-EBIT only.
NPBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -750.7  Med: 15.90 Max: 84.3
Current: 15.65
-750.7
84.3
EV-to-EBITDA 14.40
NPBC's EV-to-EBITDA is ranked lower than
60% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. NPBC: 14.40 )
Ranked among companies with meaningful EV-to-EBITDA only.
NPBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -31.9  Med: 14.50 Max: 111.4
Current: 14.4
-31.9
111.4
PEG 0.82
NPBC's PEG is ranked higher than
60% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. NPBC: 0.82 )
Ranked among companies with meaningful PEG only.
NPBC' s PEG Range Over the Past 10 Years
Min: 1.01  Med: 1.56 Max: 24.6
Current: 0.82
1.01
24.6
Shiller P/E 31.31
NPBC's Shiller P/E is ranked lower than
85% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. NPBC: 31.31 )
Ranked among companies with meaningful Shiller P/E only.
NPBC' s Shiller P/E Range Over the Past 10 Years
Min: 3.88  Med: 15.48 Max: 36.79
Current: 31.31
3.88
36.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.10
NPBC's Dividend Yield is ranked higher than
71% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. NPBC: 4.10 )
Ranked among companies with meaningful Dividend Yield only.
NPBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.46  Med: 3.57 Max: 13.7
Current: 4.1
0.46
13.7
Dividend Payout 0.56
NPBC's Dividend Payout is ranked lower than
63% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. NPBC: 0.56 )
Ranked among companies with meaningful Dividend Payout only.
NPBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.53 Max: 1.65
Current: 0.56
0.16
1.65
Dividend Growth (3y) 2.40
NPBC's Dividend Growth (3y) is ranked lower than
70% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. NPBC: 2.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NPBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -60.7  Med: 8.60 Max: 95.7
Current: 2.4
-60.7
95.7
Forward Dividend Yield 4.10
NPBC's Forward Dividend Yield is ranked higher than
70% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. NPBC: 4.10 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 41.66
NPBC's Yield on cost (5-Year) is ranked higher than
98% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. NPBC: 41.66 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NPBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 4.67  Med: 36.28 Max: 139.22
Current: 41.66
4.67
139.22
3-Year Average Share Buyback Ratio 2.10
NPBC's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NPBC: 2.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NPBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -36.9  Med: -7.00 Max: 2.2
Current: 2.1
-36.9
2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.76
NPBC's Price/Tangible Book is ranked lower than
79% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. NPBC: 1.76 )
Ranked among companies with meaningful Price/Tangible Book only.
NPBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.2  Med: 2.25 Max: 4.39
Current: 1.76
1.2
4.39
Price/Projected FCF 0.74
NPBC's Price/Projected FCF is ranked lower than
58% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. NPBC: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
NPBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.38  Med: 0.85 Max: 1.43
Current: 0.74
0.38
1.43
Price/Median PS Value 1.03
NPBC's Price/Median PS Value is ranked lower than
53% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. NPBC: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
NPBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.51  Med: 1.01 Max: 1.26
Current: 1.03
0.51
1.26
Price/Peter Lynch Fair Value 1.05
NPBC's Price/Peter Lynch Fair Value is ranked lower than
61% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. NPBC: 1.05 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NPBC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.21  Med: 1.74 Max: 3.1
Current: 1.05
1.21
3.1
Price/Graham Number 1.04
NPBC's Price/Graham Number is ranked lower than
68% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. NPBC: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
NPBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.98  Med: 1.44 Max: 2.31
Current: 1.04
0.98
2.31
Earnings Yield (Greenblatt) (%) 6.40
NPBC's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. NPBC: 6.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NPBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.2  Med: 6.00 Max: 10.9
Current: 6.4
1.2
10.9
Forward Rate of Return (Yacktman) (%) 20.46
NPBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
68% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. NPBC: 20.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NPBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.1  Med: 15.20 Max: 29.9
Current: 20.46
-0.1
29.9

More Statistics

Revenue(Mil) $365
EPS $ 0.79
Beta0.64
Short Percentage of Float7.22%
52-Week Range $10.24 - 12.80
Shares Outstanding(Mil)140.71

Analyst Estimate

Dec16
Revenue(Mil)
EPS($) 0.84
EPS without NRI($) 0.84

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:SSB, NAS:TRMK, NAS:ONB, NAS:CHFC, NAS:BANR » 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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More From Other Websites
NATIONAL PENN BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 06 2016
BB&T announces election and allocation results relating to the acquisition of National Penn... Apr 06 2016
BB&T Closes National Penn Deal: What's in the Cards Now? Apr 05 2016
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BB&T completes National Penn Bank purchase Apr 04 2016
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BB&T closes National Penn acquisition Apr 04 2016
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NATIONAL PENN BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 15 2016
Reminder of BB&T, National Penn Expected Merger Closing Date and Election Deadline Mar 15 2016
NATIONAL PENN BANCSHARES INC Financials Mar 08 2016
National Penn Bancshares, Inc. breached its 50 day moving average in a Bullish Manner : NPBC-US :... Mar 03 2016
NATIONAL PENN BANCSHARES INC Files SEC form 10-K, Annual Report Feb 29 2016
National Penn Bancshares, Inc. Earnings Analysis: Q4, 2015 By the Numbers Jan 29 2016
NATIONAL PENN BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 28 2016
National Penn Bancshares posts 4Q profit Jan 28 2016
National Penn Bancshares posts 4Q profit Jan 28 2016
National Penn Bancshares, Inc. Reports Fourth Quarter and Full Year 2015 Results Jan 28 2016
National Penn Bancshares, Inc. Reports Fourth Quarter and Full Year 2015 Results Jan 28 2016

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