NATIONAL PENN BANCSHARES INC
Financials · National Commercial Banks · PA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $110.7M | $98.7M | $53.4M | $98.9M | $87.5M | $21.3M |
| Total assets | $9.60B | $9.75B | $8.59B | $8.53B | $8.49B | $8.84B |
| Total liabilities | $8.44B | $8.56B | $7.46B | $7.37B | $7.31B | $7.71B |
| Equity | $1.16B | $1.19B | $1.13B | $1.16B | $1.18B | $1.14B |
| EPS (diluted) | $0.78 | $0.70 | $0.37 | $0.66 | $0.56 | $0.10 |
| Shares out. | 140.1M | 139.1M | 145.5M | 152.2M | 151.9M | 136.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- —
- Return on equity
- 9.5%
- Return on assets
- 1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.9%
- Debt / equity
- 7.26×
- Book value / share
- $8.29
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 12.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2015- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Weidner Wayne RDirector | Apr 1, 2016 | D | 68,366.964 | — |
| Roth C RobertDirector | Apr 1, 2016 | D | 51,409.428 | — |
| Paul R Chadwick JrDirector | Apr 1, 2016 | D | 59,062.463 | — |
| Paquin NatalyeDirector | Apr 1, 2016 | D | 14,892.088 | — |
| Langiotti Patricia LDirector | Apr 1, 2016 | D | 49,875.227 | — |
| Martin Christian F IvDirector | Apr 1, 2016 | D | 421,242.106 | — |
| Lyons Stephen COfficer — SVP - Chief Accounting Officer | Apr 1, 2016 | D | 8,771.012 | — |
| Kennedy Thomas LDirector | Apr 1, 2016 | D | 112,896.36 | — |
| Kennedy David BOfficer — SEVP - Chief Banking Officer | Apr 1, 2016 | D | 139,174 | — |
| Kehoe Sean POfficer — EVP,Chief Legal Off & Corp Sec | Apr 1, 2016 | D | 35,127.665 | — |
| Hughes Michael JOfficer — SEVP - Chief Financial Officer | Apr 1, 2016 | D | 429,770.747 | — |
| Holton Donna DDirector | Apr 1, 2016 | D | 76,009 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Other material eventApr 6, 2016
- Entered a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Other material eventApr 4, 2016
- Other material eventMar 15, 2016
- Results of operationsJan 28, 2016
- Other material eventJan 21, 2016
- Other material eventDec 24, 2015
- Shareholder voteDec 16, 2015
- Other material eventNov 13, 2015
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12GApr 14, 2016
- 15-15DApr 14, 2016
- 15-15DApr 14, 2016
- 15-15DApr 14, 2016
- 15-15DFORM15-15DApr 14, 2016
- 8-KFORM 8-KApr 6, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
- 4PRIMARY DOCUMENTApr 5, 2016
Event-driven situations (1)
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