Simplicity Bancorp, Inc.
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $1.3M | $1.4M | $7.2M | $8.8M |
| Total assets | $879.2M | $867.4M | $923.3M | $856.4M |
| Total liabilities | $742.3M | $721.9M | $769.2M | $699.0M |
| Equity | $136.9M | $145.4M | $154.1M | $157.4M |
| EPS (diluted) | $0.72 | $0.76 | $0.81 | $0.95 |
| Shares out. | 7.4M | 8.1M | 8.9M | 9.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2014- Operating margin
- —
- Net margin
- —
- Return on equity
- 0.9%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 84.4%
- Debt / equity
- 5.42×
- Book value / share
- $18.51
- 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 · FY2014- Accruals / assets
- −0.7%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.
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 |
|---|---|---|---|---|
| Reed Robert R.Officer — Chief Retail Banking Officer | Mar 1, 2015 | D | 8,076 | — |
| Hanighen DavidOfficer — Chief Information Officer | Mar 1, 2015 | D | 8,215 | — |
| Thompson Jeanne ROfficer — Chief Admin. Officer | Mar 1, 2015 | D | 18,295 | — |
| Carandang JeanOfficer — Chief Financial Officer | Mar 1, 2015 | D | 12,245 | — |
| Weisshar Laura GDirector | Mar 1, 2015 | D | 5,776 | — |
| Breeden James LDirector | Mar 1, 2015 | D | 21,820 | — |
| Steinbach Robert CDirector | Mar 1, 2015 | D | 2,900 | — |
| Sacher Michael JDirector | Mar 1, 2015 | D | 4,693 | — |
| Luton DustinOfficer — Chief Executive Officer | Mar 1, 2015 | D | 40,116 | — |
| Seltzer Greg S.Officer — Chief Lending Officer | Mar 1, 2015 | D | 3,333 | — |
| Voss DonDirector | Mar 1, 2015 | D | 2,900 | — |
| Cochrane John H.Director | Mar 1, 2015 | D | 9,000 | — |
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- Shareholder voteFeb 12, 2015
- Results of operationsFeb 6, 2015
- Other material eventJan 30, 2015
- Other material eventJan 14, 2015
- Results of operationsNov 4, 2014
- Other material eventOct 31, 2014
- Shareholder voteOct 31, 2014
- Entered a material agreement · Regulation FD disclosureOct 1, 2014
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 ↗Event-driven situations (1)
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