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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.37
SSFN's Cash to Debt is ranked higher than
59% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. SSFN: 0.37 )
SSFN' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.37

Equity to Asset 0.09
SSFN's Equity to Asset is ranked higher than
63% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SSFN: 0.09 )
SSFN' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.09
Current: 0.09

0.07
0.09
Interest Coverage 1.40
SSFN's Interest Coverage is ranked higher than
70% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SSFN: 1.40 )
SSFN' s 10-Year Interest Coverage Range
Min: 0.04   Max: 1.4
Current: 1.4

0.04
1.4
F-Score: 5
Z-Score: 0.12
WACC vs ROIC
1.37%
3.80%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 20.80
SSFN's Operating margin (%) is ranked higher than
61% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. SSFN: 20.80 )
SSFN' s 10-Year Operating margin (%) Range
Min: -489.23   Max: 32.56
Current: 20.8

-489.23
32.56
Net-margin (%) 13.82
SSFN's Net-margin (%) is ranked higher than
59% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. SSFN: 13.82 )
SSFN' s 10-Year Net-margin (%) Range
Min: 1.74   Max: 167.58
Current: 13.82

1.74
167.58
ROE (%) 6.06
SSFN's ROE (%) is ranked higher than
64% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. SSFN: 6.06 )
SSFN' s 10-Year ROE (%) Range
Min: 0.91   Max: 14.45
Current: 6.06

0.91
14.45
ROA (%) 0.51
SSFN's ROA (%) is ranked higher than
62% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SSFN: 0.51 )
SSFN' s 10-Year ROA (%) Range
Min: 0.07   Max: 1.11
Current: 0.51

0.07
1.11
ROC (Joel Greenblatt) (%) 80.72
SSFN's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. SSFN: 80.72 )
SSFN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -289.27   Max: 171.2
Current: 80.72

-289.27
171.2
Revenue Growth (3Y)(%) -6.80
SSFN's Revenue Growth (3Y)(%) is ranked higher than
57% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SSFN: -6.80 )
SSFN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.8   Max: 133.7
Current: -6.8

-6.8
133.7
EBITDA Growth (3Y)(%) 76.20
SSFN's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. SSFN: 76.20 )
SSFN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -48.4   Max: 76.2
Current: 76.2

-48.4
76.2
EPS Growth (3Y)(%) 171.40
SSFN's EPS Growth (3Y)(%) is ranked higher than
99% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. SSFN: 171.40 )
SSFN' s 10-Year EPS Growth (3Y)(%) Range
Min: -67.8   Max: 171.4
Current: 171.4

-67.8
171.4
» SSFN's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 13.30
SSFN's P/E(ttm) is ranked higher than
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. SSFN: 13.30 )
SSFN' s 10-Year P/E(ttm) Range
Min: 11.97   Max: 228
Current: 13.3

11.97
228
Forward P/E 13.32
SSFN's Forward P/E is ranked higher than
79% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: 13.32 )
N/A
PE(NRI) 13.30
SSFN's PE(NRI) is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. SSFN: 13.30 )
SSFN' s 10-Year PE(NRI) Range
Min: 11.89   Max: 285
Current: 13.3

11.89
285
P/B 0.82
SSFN's P/B is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. SSFN: 0.82 )
SSFN' s 10-Year P/B Range
Min: 0.5   Max: 2.8
Current: 0.82

0.5
2.8
P/S 1.45
SSFN's P/S is ranked higher than
92% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. SSFN: 1.45 )
SSFN' s 10-Year P/S Range
Min: 0.69   Max: 13.55
Current: 1.45

0.69
13.55
PFCF 10.52
SSFN's PFCF is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: 10.52 )
SSFN' s 10-Year PFCF Range
Min: 1.63   Max: 188.5
Current: 10.52

1.63
188.5
POCF 7.44
SSFN's POCF is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. SSFN: 7.44 )
SSFN' s 10-Year POCF Range
Min: 1.63   Max: 75.4
Current: 7.44

1.63
75.4
EV-to-EBIT 16.77
SSFN's EV-to-EBIT is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. SSFN: 16.77 )
SSFN' s 10-Year EV-to-EBIT Range
Min: -54846.7   Max: 288.3
Current: 16.77

-54846.7
288.3
PEG 6.33
SSFN's PEG is ranked higher than
85% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: 6.33 )
SSFN' s 10-Year PEG Range
Min: 0.55   Max: 16.08
Current: 6.33

0.55
16.08
Shiller P/E 25.96
SSFN's Shiller P/E is ranked higher than
78% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: 25.96 )
SSFN' s 10-Year Shiller P/E Range
Min: 7.74   Max: 26.52
Current: 25.96

7.74
26.52
Days Sales Outstanding 26.93
SSFN's Days Sales Outstanding is ranked higher than
92% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: 26.93 )
SSFN' s 10-Year Days Sales Outstanding Range
Min: 28.22   Max: 430.22
Current: 26.93

28.22
430.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
SSFN's Dividend Yield is ranked lower than
79% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. SSFN: 1.20 )
SSFN' s 10-Year Dividend Yield Range
Min: 0.77   Max: 5.73
Current: 1.2

0.77
5.73
Dividend Payout 0.13
SSFN's Dividend Payout is ranked higher than
95% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. SSFN: 0.13 )
SSFN' s 10-Year Dividend Payout Range
Min: 0.09   Max: 1.67
Current: 0.13

0.09
1.67
Dividend growth (3y) -37.00
SSFN's Dividend growth (3y) is ranked higher than
59% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. SSFN: -37.00 )
SSFN' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 52.8
Current: -37

0
52.8
Yield on cost (5-Year) 0.12
SSFN's Yield on cost (5-Year) is ranked lower than
93% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. SSFN: 0.12 )
SSFN' s 10-Year Yield on cost (5-Year) Range
Min: 0.08   Max: 0.58
Current: 0.12

0.08
0.58
Share Buyback Rate -0.80
SSFN's Share Buyback Rate is ranked higher than
77% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. SSFN: -0.80 )
SSFN' s 10-Year Share Buyback Rate Range
Min: 0.2   Max: -28.3
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.82
SSFN's Price/Tangible Book is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. SSFN: 0.82 )
SSFN' s 10-Year Price/Tangible Book Range
Min: 0.57   Max: 2.83
Current: 0.82

0.57
2.83
Price/DCF (Projected) 0.29
SSFN's Price/DCF (Projected) is ranked lower than
51% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: 0.29 )
SSFN' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 2.15
Current: 0.29

0.2
2.15
Price/Median PS Value 0.79
SSFN's Price/Median PS Value is ranked lower than
62% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SSFN: 0.79 )
SSFN' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 6.98
Current: 0.79

0.42
6.98
Price/Graham Number 0.54
SSFN's Price/Graham Number is ranked higher than
54% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SSFN: 0.54 )
SSFN' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 2.89
Current: 0.54

0.46
2.89
Earnings Yield (Greenblatt) 6.00
SSFN's Earnings Yield (Greenblatt) is ranked higher than
62% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SSFN: 6.00 )
SSFN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 9.3
Current: 6

0.3
9.3
Forward Rate of Return (Yacktman) -22.59
SSFN's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. SSFN: -22.59 )
SSFN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19   Max: 40.2
Current: -22.59

-19
40.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Stewardship Financial Corporation incorporated under the laws of the State of New Jersey in January 1995 as a holding company for Atlantic Stewardship Bank. The Company through the bank, conducts a traditional commercial banking business, and offers services which include personal and business checking accounts and time deposits, money market accounts and regular savings accounts. It also offers commercial, consumer, mortgage, home equity and personal loans. The Company provides its services to business of the small and medium sized business and professional community as well as that of individuals residing, working and shopping in Bergen, Morris and Passaic County, New Jersey. The Company operates with its twelve existing branch offices in Hawthorne, Ridgewood, Montville, North Haledon, Pequannock, Waldwick, Wayne, Westwood and Wyckoff, New Jersey. It competes for deposits and loans with commercial banks, thrifts and other financial institutions. The Corporation is subject to the supervision and regulation of the Board of Governors of the Federal Reserve System. The Bank's deposits are insured by the Federal Deposit Insurance Corporation up to applicable limits. The operations of the Corporation and the Bank are subject to the supervision and regulation of the FRB, the FDIC and the New Jersey Department of Banking and Insurance.
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