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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 0.15
SMPL's Cash to Debt is ranked higher than
52% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. SMPL: 0.15 )
SMPL' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.15

Equity to Asset 0.16
SMPL's Equity to Asset is ranked higher than
93% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. SMPL: 0.16 )
SMPL' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.18
Current: 0.16

0.04
0.18
Interest Coverage 1.32
SMPL's Interest Coverage is ranked higher than
68% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. SMPL: 1.32 )
SMPL' s 10-Year Interest Coverage Range
Min: 0.24   Max: 1.32
Current: 1.32

0.24
1.32
F-Score: 5
Z-Score: 0.32
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 : 8/10

vs
industry
vs
history
Operating margin (%) 26.87
SMPL's Operating margin (%) is ranked higher than
71% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. SMPL: 26.87 )
SMPL' s 10-Year Operating margin (%) Range
Min: -183   Max: 40.4
Current: 26.87

-183
40.4
Net-margin (%) 16.21
SMPL's Net-margin (%) is ranked higher than
65% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. SMPL: 16.21 )
SMPL' s 10-Year Net-margin (%) Range
Min: 10.56   Max: 56.59
Current: 16.21

10.56
56.59
ROE (%) 3.76
SMPL's ROE (%) is ranked higher than
57% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. SMPL: 3.76 )
SMPL' s 10-Year ROE (%) Range
Min: 3.57   Max: 7.14
Current: 3.76

3.57
7.14
ROA (%) 0.61
SMPL's ROA (%) is ranked higher than
66% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. SMPL: 0.61 )
SMPL' s 10-Year ROA (%) Range
Min: 0.38   Max: 1.02
Current: 0.61

0.38
1.02
ROC (Joel Greenblatt) (%) 80.55
SMPL's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. SMPL: 80.55 )
SMPL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 14.25   Max: 312
Current: 80.55

14.25
312
Revenue Growth (3Y)(%) 6.70
SMPL's Revenue Growth (3Y)(%) is ranked higher than
88% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. SMPL: 6.70 )
SMPL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 75.1
Current: 6.7

0
75.1
EBITDA Growth (3Y)(%) -5.40
SMPL's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. SMPL: -5.40 )
SMPL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 56.2
Current: -5.4

0
56.2
EPS Growth (3Y)(%) -8.80
SMPL's EPS Growth (3Y)(%) is ranked higher than
60% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. SMPL: -8.80 )
SMPL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 78.3
Current: -8.8

0
78.3
» SMPL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

SMPL Guru Trades in Q4 2013

Charles Brandes 28,507 sh (+9.82%)
Jim Simons 118,106 sh (+2.97%)
Columbia Wanger 729,904 sh (-12.74%)
» More
Q1 2014

SMPL Guru Trades in Q1 2014

Charles Brandes 28,663 sh (+0.55%)
Jim Simons 117,200 sh (-0.77%)
Columbia Wanger 716,333 sh (-1.86%)
» More
Q2 2014

SMPL Guru Trades in Q2 2014

Jim Simons 131,918 sh (+12.56%)
Columbia Wanger Sold Out
Charles Brandes 28,070 sh (-2.07%)
» More
Q3 2014

SMPL Guru Trades in Q3 2014

Jim Simons 148,640 sh (+12.68%)
Charles Brandes 27,940 sh (-0.46%)
» More
» Details

Insider Trades

Latest Guru Trades with SMPL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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 $ 17.0615%24637
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 23.80
SMPL's P/E(ttm) is ranked higher than
69% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. SMPL: 23.80 )
SMPL' s 10-Year P/E(ttm) Range
Min: 11.81   Max: 222.33
Current: 23.8

11.81
222.33
P/B 0.92
SMPL's P/B is ranked higher than
87% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. SMPL: 0.92 )
SMPL' s 10-Year P/B Range
Min: 0.62   Max: 3.05
Current: 0.92

0.62
3.05
P/S 3.78
SMPL's P/S is ranked higher than
72% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. SMPL: 3.78 )
SMPL' s 10-Year P/S Range
Min: 2.2   Max: 166.75
Current: 3.78

2.2
166.75
PFCF 18.15
SMPL's PFCF is ranked higher than
79% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. SMPL: 18.15 )
SMPL' s 10-Year PFCF Range
Min: 6.91   Max: 266.8
Current: 18.15

6.91
266.8
EV-to-EBIT 20.86
SMPL's EV-to-EBIT is ranked higher than
70% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. SMPL: 20.86 )
SMPL' s 10-Year EV-to-EBIT Range
Min: -2654.4   Max: 75.8
Current: 20.86

-2654.4
75.8
PEG 1.50
SMPL's PEG is ranked higher than
88% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. SMPL: 1.50 )
SMPL' s 10-Year PEG Range
Min: 0.53   Max: 5.69
Current: 1.5

0.53
5.69
Shiller P/E 25.05
SMPL's Shiller P/E is ranked higher than
82% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. SMPL: 25.05 )
SMPL' s 10-Year Shiller P/E Range
Min: 19.29   Max: 34.3
Current: 25.05

19.29
34.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.05
SMPL's Dividend Yield is ranked lower than
52% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. SMPL: 2.05 )
SMPL' s 10-Year Dividend Yield Range
Min: 0.33   Max: 6.52
Current: 2.05

0.33
6.52
Dividend Payout 0.47
SMPL's Dividend Payout is ranked higher than
68% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. SMPL: 0.47 )
SMPL' s 10-Year Dividend Payout Range
Min: 0.2   Max: 3.33
Current: 0.47

0.2
3.33
Dividend growth (3y) 6.90
SMPL's Dividend growth (3y) is ranked higher than
80% of the 1127 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. SMPL: 6.90 )
SMPL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 37.9
Current: 6.9

0
37.9
Yield on cost (5-Year) 1.71
SMPL's Yield on cost (5-Year) is ranked lower than
62% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. SMPL: 1.71 )
SMPL' s 10-Year Yield on cost (5-Year) Range
Min: 0.27   Max: 5.32
Current: 1.71

0.27
5.32
Share Buyback Rate 7.30
SMPL's Share Buyback Rate is ranked higher than
97% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. SMPL: 7.30 )
SMPL' s 10-Year Share Buyback Rate Range
Min: 0   Max: 0.9
Current: 7.3

0
0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.94
SMPL's Price/Tangible Book is ranked higher than
89% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. SMPL: 0.94 )
SMPL' s 10-Year Price/Tangible Book Range
Min: 0.73   Max: 3.02
Current: 0.94

0.73
3.02
Price/DCF (Projected) 0.55
SMPL's Price/DCF (Projected) is ranked higher than
91% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. SMPL: 0.55 )
SMPL' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 0.88
Current: 0.55

0.42
0.88
Price/Median PS Value 0.95
SMPL's Price/Median PS Value is ranked higher than
91% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. SMPL: 0.95 )
SMPL' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 39.84
Current: 0.95

0.58
39.84
Price/Peter Lynch Fair Value 1.02
SMPL's Price/Peter Lynch Fair Value is ranked higher than
93% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. SMPL: 1.02 )
SMPL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.57   Max: 1.22
Current: 1.02

0.57
1.22
Price/Graham Number 1.01
SMPL's Price/Graham Number is ranked higher than
79% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. SMPL: 1.01 )
SMPL' s 10-Year Price/Graham Number Range
Min: 0.64   Max: 2.7
Current: 1.01

0.64
2.7
Earnings Yield (Greenblatt) 4.80
SMPL's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. SMPL: 4.80 )
SMPL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 9.3
Current: 4.8

1.3
9.3
Forward Rate of Return (Yacktman) 29.37
SMPL's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. SMPL: 29.37 )
SMPL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.2   Max: 38
Current: 29.37

-4.2
38

Analyst Estimate


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Jun15
Revenue(Mil)
EPS($) 1.15
EPS without NRI($) 1.15

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Simplicity Bancorp, Inc. is a Maryland corporation that owns all of the outstanding common stock of Simplicity Bank. The Company's business activities generally are limited to passive investment activities and oversight of its investment in the Bank. The Bank is a community oriented financial institution offering a variety of financial services to meet the needs of the communities it serves. 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. The Bank is headquartered in Covina, California, with branches in Glendora, Downey, Harbor City, Los Angeles, Panorama City and Pasadena to serve Los Angeles County and a financial service center in Fontana to serve San Bernardino county. It faces competition in originating real estate and other loans and in attracting deposits.

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