Stewardship Financial Corp (SSFN, Financial) files its latest 10-K with SEC for the fiscal year ended on December 31, 2017. Stewardship Financial Corp is a bank holding company. It offers personal and business checking accounts and time deposits, money market accounts, regular savings accounts, commercial, residential real estate and personal loans. Stewardship Financial Corp has a market cap of $98.560 million; its shares were traded at around $11.40 with a P/E ratio of 21.93 and P/S ratio of 2.82. The dividend yield of Stewardship Financial Corp stocks is 1.05%. Stewardship Financial Corp had annual average EBITDA growth of 64.80% over the past five years.
For the last quarter Stewardship Financial Corp reported a revenue of $7.69 million, compared with the revenue of $6.83 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $29.7 million, an increase of 14.2% from last year. For the last five years Stewardship Financial Corp had an average revenue decline of 0.3% a year.
The reported diluted earnings per share was 45.7 cents for the year, a decline of 41.4% from the previous year. Over the last five years Stewardship Financial Corp had an EPS growth rate of 61.7% a year. The Stewardship Financial Corp enjoyed an operating margin of 29.39%, compared with the operating margin of 28.6% a year before. The 10-year historical median operating margin of Stewardship Financial Corp is 18.45%. The profitability rank of the company is 4 (out of 10).
At the end of the fiscal year, Stewardship Financial Corp has the cash and cash equivalents of $21.3 million, compared with $11.7 million in the previous year. The long term debt was $87.1 million, compared with $82.5 million in the previous year. The interest coverage to the debt is 1.5, which is not a favorable level. Stewardship Financial Corp has a financial strength rank of 4 (out of 10).
At the current stock price of $11.40, Stewardship Financial Corp is traded at 89.4% premium to its historical median P/S valuation band of $6.02. The P/S ratio of the stock is 2.82, while the historical median P/S ratio is 1.49. The stock gained 36.33% during the past 12 months.
For the complete 20-year historical financial data of SSFN, click here.
