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14.58 (1y: +4%)
Market Cap 118.82 M P/E(ttm) 22.70
Enterprise Value 178.82 M P/B 0.80
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.122
SMPL's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.122 )
SMPL' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.12
Equity to Asset 0.167
SMPL's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.167 )
SMPL' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.18
Current: 0.17
0.08
0.18
Interest Coverage No Debt
SMPL's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: No Debt )
SMPL' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 2
Z-Score: 0.39
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 33.40
SMPL's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 33.40 )
SMPL' s 10-Year Operating margin (%) Range
Min: 14.9   Max: 40
Current: 33.4
14.9
40
Net-margin (%) 20.9
SMPL's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 20.9 )
SMPL' s 10-Year Net-margin (%) Range
Min: 8   Max: 25.7
Current: 20.9
8
25.7
ROE (%) 4.7
SMPL's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 4.7 )
SMPL' s 10-Year ROE (%) Range
Min: 3.5   Max: 6.9
Current: 4.7
3.5
6.9
ROA (%) 0.8
SMPL's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.8 )
SMPL' s 10-Year ROA (%) Range
Min: 0.4   Max: 1
Current: 0.8
0.4
1
ROC (Joel Greenblatt) (%) 88.10
SMPL's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 88.10 )
SMPL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 9.1   Max: 88.1
Current: 88.1
9.1
88.1
Revenue Growth (%) 17.1
SMPL's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 17.1 )
SMPL' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 52.2
Current: 17.1
0
52.2
EBITDA Growth (%) 21.4
SMPL's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 21.4 )
SMPL' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 39.7
Current: 21.4
0
39.7
EPS Growth (%) 22.5
SMPL's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 22.5 )
SMPL' s 10-Year EPS Growth (%) Range
Min: 0   Max: 54.3
Current: 22.5
0
54.3
ยป SMPL's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

SMPL Guru Trades in Q2 2012

Jim Simons 54,200 sh (+147.49%)
Louis Moore Bacon Sold Out
Columbia Wanger 854,945 sh (-0.18%)
» More
Q3 2012

SMPL Guru Trades in Q3 2012

Jim Simons 76,301 sh (+40.78%)
Columbia Wanger 852,445 sh (-0.29%)
» More
Q4 2012

SMPL Guru Trades in Q4 2012

Columbia Wanger 852,445 sh (unchged)
Jim Simons 73,521 sh (-3.64%)
» More
Q1 2013

SMPL Guru Trades in Q1 2013

Charles Brandes 24,637 sh (New)
Jim Simons 75,185 sh (+2.26%)
Columbia Wanger 836,445 sh (-1.88%)
» More
» Details

Insider Trades

Latest Guru Trades with SMPL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2013-03-31 New Buy$14.32 - $15.53 $ 14.58-2%24637
Mario Gabelli 2011-03-31 Sold Out $11.5 - $13.83 $ 14.5817%0
Mario Gabelli 2010-12-31 New Buy$9.6 - $11.71 $ 14.5844%30000
Premium More recent guru trades are included for Premium Members only!!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 22.70
SMPL's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 22.70 )
SMPL' s 10-Year P/E(ttm) Range
Min: 11.83   Max: 169.44
Current: 22.7
11.83
169.44
P/B 0.80
SMPL's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.80 )
SMPL' s 10-Year P/B Range
Min: 0.6   Max: 3.1
Current: 0.8
0.6
3.1
P/S 3.42
SMPL's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 3.42 )
SMPL' s 10-Year P/S Range
Min: 3.04   Max: 42.36
Current: 3.42
3.04
42.36
EV-to-EBIT 20.8
SMPL's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 20.8 )
SMPL' s 10-Year EV-to-EBIT Range
Min: 10.8   Max: 72.4
Current: 20.8
10.8
72.4
PEG 0.7
SMPL's PEG is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.7 )
SMPL' s 10-Year PEG Range
Min: 0.61   Max: 48.41
Current: 0.7
0.61
48.41
Shiller P/E 26.9
SMPL's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 26.9 )
SMPL' s 10-Year Shiller P/E Range
Min: 18.89   Max: 36.11
Current: 26.9
18.89
36.11

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.19
SMPL's Dividend Yield is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 2.19 )
SMPL' s 10-Year Dividend Yield Range
Min: 0.33   Max: 6.52
Current: 2.19
0.33
6.52
Dividend Payout 0.4765
SMPL's Dividend Payout is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.4765 )
SMPL' s 10-Year Dividend Payout Range
Min: 0.28   Max: 1.73
Current: 0.48
0.28
1.73
Dividend growth (3y) -12.3
SMPL's Dividend growth (3y) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: -12.3 )
SMPL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 27.3
Current: -12.3
0
27.3
Yield on cost (5-Year) 1.07
SMPL's Yield on cost (5-Year) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 1.07 )
SMPL' s 10-Year Yield on cost (5-Year) Range
Min: 0.16   Max: 3.16
Current: 1.07
0.16
3.16
Share Buyback Rate 9.1
SMPL's Share Buyback Rate is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 9.1 )
SMPL' s 10-Year Share Buyback Rate Range
Min: 0   Max: 0.7
Current: 9.1
0
0.7

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.8
SMPL's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.8 )
SMPL' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 7.5
Current: 0.8
0.7
7.5
Price/DCF (Projected) 0.5
SMPL's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.5 )
SMPL' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.8
Current: 0.5
0.5
0.8
Price/Median PS Value 0.8
SMPL's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.8 )
SMPL' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 2.2
Current: 0.8
0.8
2.2
Price/Peter Lynch Fair Value 0.9
SMPL's Price/Peter Lynch Fair Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.9 )
SMPL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.7   Max: 3.8
Current: 0.9
0.7
3.8
Price/Graham Number 0.8
SMPL's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 0.8 )
SMPL' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 8.4
Current: 0.8
0.7
8.4
Earnings Yield (Greenblatt) 4.80
SMPL's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 4.80 )
SMPL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 9.3
Current: 4.8
1.4
9.3
Forward Rate of Return (Yacktman) 33.9
SMPL's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. SMPL: 33.9 )
SMPL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.2   Max: 36.1
Current: 33.9
-4.2
36.1

Business Description

Simplicity Bancorp Inc is a federally-chartered stock corporation that was formed as a wholly-owned subsidiary of K-Fed Mutual Holding Company, a federally-chartered mutual holding company, in connection with the mutual holding company reorganization of Kaiser Federal Bank, a federally chartered stock savings association. The bank is a community oriented financial institution offering a variety of financial services to meet the needs of the communities it serves, primarily in California. Its principal business consists of attracting retail deposits from the general public and investing those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences and to a lesser extent, multi-family residential loans and commercial real estate loans. It also originates automobile and other consumer loans. It offers a variety of deposit accounts having a range of interest rates and terms, which generally include savings accounts, money market accounts, demand deposit accounts and time deposit accounts with varied terms ranging from 90 days to five years. The bank also offers Internet banking and automated teller machine services.
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