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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
84% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. SMPL: 0.18 )
Ranked among companies with meaningful Cash to Debt only.
SMPL' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.14 Max: No Debt
Current: 0.18
Equity to Asset 0.16
SMPL's Equity to Asset is ranked higher than
88% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. SMPL: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
SMPL' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.13 Max: 0.18
Current: 0.16
0.04
0.18
Interest Coverage 1.32
SMPL's Interest Coverage is ranked lower than
55% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. SMPL: 1.32 )
Ranked among companies with meaningful Interest Coverage only.
SMPL' s 10-Year Interest Coverage Range
Min: 0.24  Med: 0.54 Max: 1.32
Current: 1.32
0.24
1.32
F-Score: 4
WACC vs ROIC
3.40%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 26.46
SMPL's Operating margin (%) is ranked lower than
60% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. SMPL: 26.46 )
Ranked among companies with meaningful Operating margin (%) only.
SMPL' s 10-Year Operating margin (%) Range
Min: -183  Med: 27.86 Max: 40.4
Current: 26.46
-183
40.4
Net-margin (%) 15.40
SMPL's Net-margin (%) is ranked lower than
72% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. SMPL: 15.40 )
Ranked among companies with meaningful Net-margin (%) only.
SMPL' s 10-Year Net-margin (%) Range
Min: 10.56  Med: 21.04 Max: 56.59
Current: 15.4
10.56
56.59
ROE (%) 3.46
SMPL's ROE (%) is ranked lower than
82% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. SMPL: 3.46 )
Ranked among companies with meaningful ROE (%) only.
SMPL' s 10-Year ROE (%) Range
Min: 3.57  Med: 5.09 Max: 7.14
Current: 3.46
3.57
7.14
ROA (%) 0.56
SMPL's ROA (%) is ranked lower than
69% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. SMPL: 0.56 )
Ranked among companies with meaningful ROA (%) only.
SMPL' s 10-Year ROA (%) Range
Min: 0.38  Med: 0.67 Max: 1.02
Current: 0.56
0.38
1.02
Revenue Growth (3Y)(%) 6.70
SMPL's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. SMPL: 6.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SMPL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 8.70 Max: 75.1
Current: 6.7
0
75.1
EBITDA Growth (3Y)(%) -5.40
SMPL's EBITDA Growth (3Y)(%) is ranked lower than
80% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. SMPL: -5.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SMPL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -1.10 Max: 56.2
Current: -5.4
0
56.2
EPS Growth (3Y)(%) -8.80
SMPL's EPS Growth (3Y)(%) is ranked lower than
82% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. SMPL: -8.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SMPL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.00 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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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
86% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. SMPL: 25.70 )
Ranked among companies with meaningful P/E(ttm) only.
SMPL' s 10-Year P/E(ttm) Range
Min: 11.81  Med: 25.72 Max: 101.67
Current: 25.7
11.81
101.67
Forward P/E 15.15
SMPL's Forward P/E is ranked lower than
81% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. SMPL: 15.15 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 25.60
SMPL's PE(NRI) is ranked lower than
86% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. SMPL: 25.60 )
Ranked among companies with meaningful PE(NRI) only.
SMPL' s 10-Year PE(NRI) Range
Min: 11.73  Med: 25.76 Max: 101.67
Current: 25.6
11.73
101.67
P/B 0.92
SMPL's P/B is ranked higher than
63% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. SMPL: 0.92 )
Ranked among companies with meaningful P/B only.
SMPL' s 10-Year P/B Range
Min: 0.62  Med: 1.23 Max: 3.1
Current: 0.92
0.62
3.1
P/S 3.86
SMPL's P/S is ranked lower than
71% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. SMPL: 3.86 )
Ranked among companies with meaningful P/S only.
SMPL' s 10-Year P/S Range
Min: 2.2  Med: 3.95 Max: 34.66
Current: 3.86
2.2
34.66
PFCF 25.61
SMPL's PFCF is ranked lower than
85% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. SMPL: 25.61 )
Ranked among companies with meaningful PFCF only.
SMPL' s 10-Year PFCF Range
Min: 6.91  Med: 18.18 Max: 80.26
Current: 25.61
6.91
80.26
POCF 22.29
SMPL's POCF is ranked lower than
87% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. SMPL: 22.29 )
Ranked among companies with meaningful POCF only.
SMPL' s 10-Year POCF Range
Min: 6.33  Med: 15.50 Max: 80.26
Current: 22.29
6.33
80.26
EV-to-EBIT 22.02
SMPL's EV-to-EBIT is ranked lower than
75% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. SMPL: 22.02 )
Ranked among companies with meaningful EV-to-EBIT only.
SMPL' s 10-Year EV-to-EBIT Range
Min: 10.7  Med: 34.60 Max: 75.8
Current: 22.02
10.7
75.8
PEG 1.37
SMPL's PEG is ranked lower than
61% of the 619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. SMPL: 1.37 )
Ranked among companies with meaningful PEG only.
SMPL' s 10-Year PEG Range
Min: 0.53  Med: 0.77 Max: 5.69
Current: 1.37
0.53
5.69
Shiller P/E 25.06
SMPL's Shiller P/E is ranked lower than
79% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. SMPL: 25.06 )
Ranked among companies with meaningful Shiller P/E only.
SMPL' s 10-Year Shiller P/E Range
Min: 19.29  Med: 25.63 Max: 34.3
Current: 25.06
19.29
34.3
Days Sales Outstanding 23.85
SMPL's Days Sales Outstanding is ranked higher than
72% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. SMPL: 23.85 )
Ranked among companies with meaningful Days Sales Outstanding only.
SMPL' s 10-Year Days Sales Outstanding Range
Min: 25.16  Med: 41.28 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
64% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. SMPL: 2.10 )
Ranked among companies with meaningful Dividend Yield only.
SMPL' s 10-Year Dividend Yield Range
Min: 0.33  Med: 2.05 Max: 6.52
Current: 2.1
0.33
6.52
Dividend Payout 0.51
SMPL's Dividend Payout is ranked lower than
75% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. SMPL: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
SMPL' s 10-Year Dividend Payout Range
Min: 0.2  Med: 0.62 Max: 3.33
Current: 0.51
0.2
3.33
Dividend growth (3y) 6.90
SMPL's Dividend growth (3y) is ranked lower than
51% of the 674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. SMPL: 6.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
SMPL' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -13.70 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
80% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. SMPL: 1.48 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SMPL' s 10-Year Yield on cost (5-Year) Range
Min: 0.23  Med: 1.45 Max: 4.61
Current: 1.48
0.23
4.61
Share Buyback Rate 7.30
SMPL's Share Buyback Rate is ranked higher than
98% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. SMPL: 7.30 )
Ranked among companies with meaningful Share Buyback Rate only.
SMPL' s 10-Year Share Buyback Rate Range
Min: 0  Med: 12.00 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
64% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. SMPL: 0.94 )
Ranked among companies with meaningful Price/Tangible Book only.
SMPL' s 10-Year Price/Tangible Book Range
Min: 0.73  Med: 1.33 Max: 7.54
Current: 0.94
0.73
7.54
Price/Projected FCF 0.57
SMPL's Price/Projected FCF is ranked higher than
61% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. SMPL: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
SMPL' s 10-Year Price/Projected FCF Range
Min: 0.42  Med: 0.52 Max: 0.88
Current: 0.57
0.42
0.88
Price/DCF (Earnings Based) 0.90
SMPL's Price/DCF (Earnings Based) is ranked lower than
68% of the 57 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. SMPL: 0.90 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.98
SMPL's Price/Median PS Value is ranked higher than
62% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. SMPL: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
SMPL' s 10-Year Price/Median PS Value Range
Min: 0.58  Med: 1.02 Max: 39.84
Current: 0.98
0.58
39.84
Price/Peter Lynch Fair Value 1.61
SMPL's Price/Peter Lynch Fair Value is ranked lower than
81% of the 371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. SMPL: 1.61 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SMPL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.57  Med: 0.86 Max: 1.61
Current: 1.61
0.57
1.61
Price/Graham Number 1.05
SMPL's Price/Graham Number is ranked lower than
70% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. SMPL: 1.05 )
Ranked among companies with meaningful Price/Graham Number only.
SMPL' s 10-Year Price/Graham Number Range
Min: 0.64  Med: 1.25 Max: 2.71
Current: 1.05
0.64
2.71
Earnings Yield (Greenblatt) (%) 4.50
SMPL's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. SMPL: 4.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SMPL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 2.90 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
65% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. SMPL: 21.91 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SMPL' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.2  Med: 23.50 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.
» More Articles for SMPL

Headlines

Articles On GuruFocus.com
INVESTOR ALERT: Levi & Korsinsky, LLP Notifies Investors of Simplicity Bancorp, Inc. of Class Action Oct 23 2014 

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