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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 0.18
SMPL's Cash to Debt is ranked lower than
86% of the 974 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. SMPL: 0.18 )
SMPL' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.18

Equity to Asset 0.16
SMPL's Equity to Asset is ranked higher than
87% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 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 lower than
56% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 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: 4
Z-Score: 0.32
WACC vs ROIC
3.41%
2.35%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 26.46
SMPL's Operating margin (%) is ranked lower than
56% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. SMPL: 26.46 )
SMPL' s 10-Year Operating margin (%) Range
Min: -183   Max: 40.4
Current: 26.46

-183
40.4
Net-margin (%) 15.40
SMPL's Net-margin (%) is ranked lower than
69% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. SMPL: 15.40 )
SMPL' s 10-Year Net-margin (%) Range
Min: 10.56   Max: 56.59
Current: 15.4

10.56
56.59
ROE (%) 3.50
SMPL's ROE (%) is ranked lower than
81% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. SMPL: 3.50 )
SMPL' s 10-Year ROE (%) Range
Min: 3.57   Max: 7.14
Current: 3.5

3.57
7.14
ROA (%) 0.56
SMPL's ROA (%) is ranked lower than
66% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. SMPL: 0.56 )
SMPL' s 10-Year ROA (%) Range
Min: 0.38   Max: 1.02
Current: 0.56

0.38
1.02
ROC (Joel Greenblatt) (%) 77.99
SMPL's ROC (Joel Greenblatt) (%) is ranked higher than
51% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. SMPL: 77.99 )
SMPL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 14.25   Max: 312
Current: 77.99

14.25
312
Revenue Growth (3Y)(%) 6.70
SMPL's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 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 lower than
78% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 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 lower than
81% of the 1000 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 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

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
Q4 2014

SMPL Guru Trades in Q4 2014

Jim Simons 170,100 sh (+14.44%)
Charles Brandes 27,289 sh (-2.33%)
» More
Q1 2015

SMPL Guru Trades in Q1 2015

Jim Simons Sold Out
Charles Brandes Sold Out
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 25.70
SMPL's P/E(ttm) is ranked lower than
100% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SMPL: 25.70 )
SMPL' s 10-Year P/E(ttm) Range
Min: 11.81   Max: 222.33
Current: 25.7

11.81
222.33
Forward P/E 15.15
SMPL's Forward P/E is ranked lower than
88% of the 752 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. SMPL: 15.15 )
N/A
PE(NRI) 25.60
SMPL's PE(NRI) is ranked lower than
85% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. SMPL: 25.60 )
SMPL' s 10-Year PE(NRI) Range
Min: 11.73   Max: 222.33
Current: 25.6

11.73
222.33
P/B 0.92
SMPL's P/B is ranked higher than
57% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 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 3.86
SMPL's P/S is ranked lower than
90% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SMPL: 3.86 )
SMPL' s 10-Year P/S Range
Min: 2.2   Max: 166.75
Current: 3.86

2.2
166.75
PFCF 25.61
SMPL's PFCF is ranked lower than
106% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. SMPL: 25.61 )
SMPL' s 10-Year PFCF Range
Min: 6.91   Max: 266.8
Current: 25.61

6.91
266.8
POCF 22.29
SMPL's POCF is ranked lower than
87% of the 958 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. SMPL: 22.29 )
SMPL' s 10-Year POCF Range
Min: 6.33   Max: 266.8
Current: 22.29

6.33
266.8
EV-to-EBIT 22.02
SMPL's EV-to-EBIT is ranked lower than
73% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.37 vs. SMPL: 22.02 )
SMPL' s 10-Year EV-to-EBIT Range
Min: -1864.5   Max: 75.8
Current: 22.02

-1864.5
75.8
PEG 1.37
SMPL's PEG is ranked lower than
58% of the 513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. SMPL: 1.37 )
SMPL' s 10-Year PEG Range
Min: 0.53   Max: 5.69
Current: 1.37

0.53
5.69
Shiller P/E 24.96
SMPL's Shiller P/E is ranked lower than
102% of the 759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.40 vs. SMPL: 24.96 )
SMPL' s 10-Year Shiller P/E Range
Min: 19.29   Max: 34.3
Current: 24.96

19.29
34.3
Days Sales Outstanding 23.85
SMPL's Days Sales Outstanding is ranked higher than
73% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.65 vs. SMPL: 23.85 )
SMPL' s 10-Year Days Sales Outstanding Range
Min: 25.16   Max: 53.38
Current: 23.85

25.16
53.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
SMPL's Dividend Yield is ranked lower than
97% of the 1339 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.50 vs. SMPL: 2.10 )
SMPL' s 10-Year Dividend Yield Range
Min: 0.33   Max: 6.52
Current: 2.1

0.33
6.52
Dividend Payout 0.51
SMPL's Dividend Payout is ranked lower than
89% of the 1089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.28 vs. SMPL: 0.51 )
SMPL' s 10-Year Dividend Payout Range
Min: 0.2   Max: 3.33
Current: 0.51

0.2
3.33
Dividend growth (3y) 6.90
SMPL's Dividend growth (3y) is ranked higher than
50% of the 622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 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) 1.48
SMPL's Yield on cost (5-Year) is ranked lower than
125% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.46 vs. SMPL: 1.48 )
SMPL' s 10-Year Yield on cost (5-Year) Range
Min: 0.23   Max: 4.61
Current: 1.48

0.23
4.61
Share Buyback Rate 7.30
SMPL's Share Buyback Rate is ranked higher than
92% of the 915 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 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 0.90
SMPL's Price/Tangible Book is ranked higher than
70% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. SMPL: 0.90 )
SMPL' s 10-Year Price/Tangible Book Range
Min: 0.73   Max: 3.02
Current: 0.9

0.73
3.02
Price/DCF (Projected) 0.60
SMPL's Price/DCF (Projected) is ranked higher than
58% of the 778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. SMPL: 0.60 )
SMPL' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 0.88
Current: 0.6

0.42
0.88
Price/Median PS Value 1.00
SMPL's Price/Median PS Value is ranked higher than
64% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. SMPL: 1.00 )
SMPL' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 39.84
Current: 1

0.58
39.84
Price/Peter Lynch Fair Value 1.60
SMPL's Price/Peter Lynch Fair Value is ranked lower than
88% of the 381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. SMPL: 1.60 )
SMPL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.57   Max: 1.61
Current: 1.6

0.57
1.61
Price/Graham Number 1.00
SMPL's Price/Graham Number is ranked lower than
69% of the 1193 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. SMPL: 1.00 )
SMPL' s 10-Year Price/Graham Number Range
Min: 0.64   Max: 2.7
Current: 1

0.64
2.7
Earnings Yield (Greenblatt) 4.50
SMPL's Earnings Yield (Greenblatt) is ranked lower than
75% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. SMPL: 4.50 )
SMPL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 9.3
Current: 4.5

1.3
9.3
Forward Rate of Return (Yacktman) 21.91
SMPL's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. SMPL: 21.91 )
SMPL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.2   Max: 38
Current: 21.91

-4.2
38

Analyst Estimate

Jun15
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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