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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

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

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» NPBC's 30-Y Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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

Jeremy Grantham 1,587,277 sh (New)
Mario Gabelli 125,950 sh (+221.71%)
Jim Simons 3,105,381 sh (+67.98%)
Private Capital 18,900 sh (unchged)
John Hussman 200,000 sh (unchged)
Richard Pzena 2,540,359 sh (-0.36%)
Diamond Hill Capital 752,149 sh (-71.95%)
Paul Tudor Jones 43,300 sh (-95.92%)
» More
Q2 2016

NPBC Guru Trades in Q2 2016

Diamond Hill Capital Sold Out
Jim Simons Sold Out
Private Capital Sold Out
John Hussman Sold Out
Paul Tudor Jones Sold Out
Mario Gabelli Sold Out
Jeremy Grantham Sold Out
Richard Pzena Sold Out
» 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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Business Description

Industry: Banks » Banks - Regional - US  
Traded in other countries:NB2.Germany,
Headquarter Location:USA
National Penn Bancshares Inc, through its subsidiaries provides commercial and retail banking services, including checking and savings accounts, time deposits, commercial and consumer loans, and interbank credit cards.

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.



Dividend & Buy Back

Dividend Yield % 4.10
NPBC's Dividend Yield % is ranked higher than
76% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. NPBC: 4.10 )
Ranked among companies with meaningful Dividend Yield % only.
NPBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 4.1
Current: 4.1
Dividend Payout Ratio 0.56
NPBC's Dividend Payout Ratio is ranked lower than
64% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. NPBC: 0.56 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NPBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.56
Current: 0.56
Forward Dividend Yield % 4.10
NPBC's Forward Dividend Yield % is ranked higher than
77% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. NPBC: 4.10 )
Ranked among companies with meaningful Forward Dividend Yield % only.
5-Year Yield-on-Cost % 4.10
NPBC's 5-Year Yield-on-Cost % is ranked higher than
61% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. NPBC: 4.10 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NPBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 4.1
Current: 4.1

Valuation & Return


More Statistics

Revenue (TTM) (Mil) $365.17
EPS (TTM) $ 0.79
Short Percentage of Float7.22%
52-Week Range $10.24 - 12.80
Shares Outstanding (Mil)140.71

Analyst Estimate

Revenue (Mil $)
EPS ($) 0.84
EPS without NRI ($) 0.84
EPS Growth Rate
(Future 3Y To 5Y Estimate)
Dividends per Share ($) 0.48

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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