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4.91 (1y: -6%)
Market Cap 29.5 M P/E(ttm) 196.40
Enterprise Value 75.9 M P/B 0.50
SSFN- NAS (USA)
Stewardship Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$4.91
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GuruFocus Financial Strength Rank measures how strong a companyย’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 2.912
SSFN's Cash to Debt is ranked higher than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. SSFN: 2.912 )
SSFN' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 2.91
Equity to Asset 0.082
SSFN's Equity to Asset is ranked lower than
63% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SSFN: 0.082 )
SSFN' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.08
Current: 0.08
0.07
0.08
Interest Coverage No Debt
SSFN's Interest Coverage is ranked lower than
88% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SSFN: No Debt )
SSFN' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.18
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 0.90
SSFN's Operating margin (%) is ranked lower than
79% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. SSFN: 0.90 )
SSFN' s 10-Year Operating margin (%) Range
Min: 0.9   Max: 32.6
Current: 0.9
0.9
32.6
Net-margin (%) 1.7
SSFN's Net-margin (%) is ranked lower than
87% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SSFN: 1.7 )
SSFN' s 10-Year Net-margin (%) Range
Min: 1.7   Max: 21.1
Current: 1.7
1.7
21.1
ROE (%) 0.9
SSFN's ROE (%) is ranked lower than
76% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. SSFN: 0.9 )
SSFN' s 10-Year ROE (%) Range
Min: 0.9   Max: 13.4
Current: 0.9
0.9
13.4
ROA (%) 0.1
SSFN's ROA (%) is ranked lower than
83% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. SSFN: 0.1 )
SSFN' s 10-Year ROA (%) Range
Min: 0.1   Max: 1
Current: 0.1
0.1
1
Revenue Growth (%) 2.7
SSFN's Revenue Growth (%) is ranked higher than
72% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: 2.7 )
SSFN' s 10-Year Revenue Growth (%) Range
Min: 2.7   Max: 9.5
Current: 2.7
2.7
9.5
EBITDA Growth (%) -39.3
SSFN's EBITDA Growth (%) is ranked lower than
98% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: -39.3 )
SSFN' s 10-Year EBITDA Growth (%) Range
Min: -39.3   Max: 11.9
Current: -39.3
-39.3
11.9
EPS Growth (%) -51.5
SSFN's EPS Growth (%) is ranked lower than
99% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: -51.5 )
SSFN' s 10-Year EPS Growth (%) Range
Min: -57.3   Max: 10.2
Current: -51.5
-57.3
10.2
ยป 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) 196.40
SSFN's P/E(ttm) is ranked lower than
98% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. SSFN: 196.40 )
SSFN' s 10-Year P/E(ttm) Range
Min: 10.29   Max: 228
Current: 196.4
10.29
228
P/B 0.50
SSFN's P/B is ranked higher than
78% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. SSFN: 0.50 )
SSFN' s 10-Year P/B Range
Min: 0.37   Max: 3.38
Current: 0.5
0.37
3.38
P/S 1.00
SSFN's P/S is ranked higher than
88% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. SSFN: 1.00 )
SSFN' s 10-Year P/S Range
Min: 0.69   Max: 5.04
Current: 1
0.69
5.04
PFCF 3.50
SSFN's PFCF is ranked higher than
71% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SSFN: 3.50 )
SSFN' s 10-Year PFCF Range
Min: 1.63   Max: 188.5
Current: 3.5
1.63
188.5
EV-to-EBIT 200
SSFN's EV-to-EBIT is ranked lower than
97% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. SSFN: 200 )
SSFN' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 288.3
Current: 200
0.1
288.3
Shiller P/E 12.9
SSFN's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. SSFN: 12.9 )
SSFN' s 10-Year Shiller P/E Range
Min: 7.74   Max: 19.59
Current: 12.9
7.74
19.59

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.70
SSFN's Dividend Yield is ranked higher than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. SSFN: 1.70 )
SSFN' s 10-Year Dividend Yield Range
Min: 0.28   Max: 5.73
Current: 1.7
0.28
5.73
Dividend Payout 5.2928
SSFN's Dividend Payout is ranked lower than
100% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. SSFN: 5.2928 )
SSFN' s 10-Year Dividend Payout Range
Min: 0.06   Max: 1.71
Current: 5.29
0.06
1.71
Dividend growth (3y) -19.8
SSFN's Dividend growth (3y) is ranked lower than
87% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SSFN: -19.8 )
SSFN' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 37.4
Current: -19.8
0
37.4
Yield on cost (5-Year) 0.59
SSFN's Yield on cost (5-Year) is ranked lower than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SSFN: 0.59 )
SSFN' s 10-Year Yield on cost (5-Year) Range
Min: 0.1   Max: 1.97
Current: 0.59
0.1
1.97
Share Buyback Rate -0.3
SSFN's Share Buyback Rate is ranked lower than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. SSFN: -0.3 )
SSFN' s 10-Year Share Buyback Rate Range
Min: 0.1   Max: -1.5
Current: -0.3

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.5
SSFN's Price/Tangible Book is ranked higher than
88% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SSFN: 0.5 )
SSFN' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.7
Current: 0.5
0.4
2.7
Price/DCF (Projected) 0.3
SSFN's Price/DCF (Projected) is ranked higher than
82% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. SSFN: 0.3 )
SSFN' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.9
Current: 0.3
0.2
0.9
Price/Median PS Value 0.4
SSFN's Price/Median PS Value is ranked higher than
93% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SSFN: 0.4 )
SSFN' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.6
Current: 0.4
0.3
1.6
Price/Graham Number 1.1
SSFN's Price/Graham Number is ranked lower than
78% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SSFN: 1.1 )
SSFN' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.6
Current: 1.1
0.7
1.6
Earnings Yield (Greenblatt) 0.50
SSFN's Earnings Yield (Greenblatt) is ranked lower than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. SSFN: 0.50 )
SSFN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 1272.3
Current: 0.5
0.3
1272.3
Forward Rate of Return (Yacktman) 20.49
SSFN's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. SSFN: 20.49 )
SSFN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.6   Max: 33
Current: 20.49
-16.6
33

Business Description

Stewardship Financial which was incorporated under the laws of the State of New Jersey in January 1995 to serve as a holding company for Atlantic Stewardship Bank (the 'Bank'). Stewardship Financial main business is the ownership and supervision of the Bank. The Company's through the Bank, conducts a traditional commercial banking business, and offers services including personal and business checking accounts and time deposits, money market accounts and regular savings accounts. The Company structures its specific services and charges in a manner designed to attract the 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. It engages in a range of lending activities and offers commercial, consumer, mortgage, home equity and personal loans. 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 "FRB"). 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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