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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 0.20
SSFN's Cash to Debt is ranked higher than
55% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SSFN: 0.20 )
SSFN' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.2

Equity to Asset 0.09
SSFN's Equity to Asset is ranked higher than
66% of the 2021 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 0.82
SSFN's Interest Coverage is ranked higher than
61% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SSFN: 0.82 )
SSFN' s 10-Year Interest Coverage Range
Min: 0.04   Max: 1.26
Current: 0.82

0.04
1.26
F-Score: 4
Z-Score: 0.10
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 : 6/10

vs
industry
vs
history
Operating margin (%) 13.74
SSFN's Operating margin (%) is ranked higher than
56% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. SSFN: 13.74 )
SSFN' s 10-Year Operating margin (%) Range
Min: -489.23   Max: 32.56
Current: 13.74

-489.23
32.56
Net-margin (%) 10.17
SSFN's Net-margin (%) is ranked higher than
56% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. SSFN: 10.17 )
SSFN' s 10-Year Net-margin (%) Range
Min: 1.74   Max: 167.58
Current: 10.17

1.74
167.58
ROE (%) 4.41
SSFN's ROE (%) is ranked higher than
59% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. SSFN: 4.41 )
SSFN' s 10-Year ROE (%) Range
Min: 0.91   Max: 14.45
Current: 4.41

0.91
14.45
ROA (%) 0.36
SSFN's ROA (%) is ranked higher than
58% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SSFN: 0.36 )
SSFN' s 10-Year ROA (%) Range
Min: 0.07   Max: 1.11
Current: 0.36

0.07
1.11
ROC (Joel Greenblatt) (%) 54.63
SSFN's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. SSFN: 54.63 )
SSFN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -289.27   Max: 171.2
Current: 54.63

-289.27
171.2
Revenue Growth (3Y)(%) -2.70
SSFN's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SSFN: -2.70 )
SSFN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.7   Max: 133.7
Current: -2.7

-2.7
133.7
EBITDA Growth (3Y)(%) 23.30
SSFN's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SSFN: 23.30 )
SSFN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -48.4   Max: 23.3
Current: 23.3

-48.4
23.3
EPS Growth (3Y)(%) 37.20
SSFN's EPS Growth (3Y)(%) is ranked higher than
94% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SSFN: 37.20 )
SSFN' s 10-Year EPS Growth (3Y)(%) Range
Min: -67.8   Max: 37.2
Current: 37.2

-67.8
37.2
» 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) 16.40
SSFN's P/E(ttm) is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. SSFN: 16.40 )
SSFN' s 10-Year P/E(ttm) Range
Min: 12.98   Max: 228
Current: 16.4

12.98
228
P/B 0.70
SSFN's P/B is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. SSFN: 0.70 )
SSFN' s 10-Year P/B Range
Min: 0.5   Max: 5.06
Current: 0.7

0.5
5.06
P/S 1.20
SSFN's P/S is ranked higher than
96% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. SSFN: 1.20 )
SSFN' s 10-Year P/S Range
Min: 0.69   Max: 16.47
Current: 1.2

0.69
16.47
PFCF 2.30
SSFN's PFCF is ranked higher than
95% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SSFN: 2.30 )
SSFN' s 10-Year PFCF Range
Min: 1.63   Max: 188.5
Current: 2.3

1.63
188.5
EV-to-EBIT 26.31
SSFN's EV-to-EBIT is ranked higher than
66% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. SSFN: 26.31 )
SSFN' s 10-Year EV-to-EBIT Range
Min: -54846.7   Max: 288.3
Current: 26.31

-54846.7
288.3
Shiller P/E 20.60
SSFN's Shiller P/E is ranked higher than
84% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SSFN: 20.60 )
SSFN' s 10-Year Shiller P/E Range
Min: 7.74   Max: 37.7
Current: 20.6

7.74
37.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.00
SSFN's Dividend Yield is ranked lower than
83% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. SSFN: 1.00 )
SSFN' s 10-Year Dividend Yield Range
Min: 0.58   Max: 5.73
Current: 1

0.58
5.73
Dividend Payout 0.14
SSFN's Dividend Payout is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. SSFN: 0.14 )
SSFN' s 10-Year Dividend Payout Range
Min: 0.09   Max: 1.67
Current: 0.14

0.09
1.67
Dividend growth (3y) -47.70
SSFN's Dividend growth (3y) is ranked higher than
58% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. SSFN: -47.70 )
SSFN' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 52.8
Current: -47.7

0
52.8
Yield on cost (5-Year) 0.08
SSFN's Yield on cost (5-Year) is ranked lower than
95% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. SSFN: 0.08 )
SSFN' s 10-Year Yield on cost (5-Year) Range
Min: 0.05   Max: 0.46
Current: 0.08

0.05
0.46
Share Buyback Rate -0.50
SSFN's Share Buyback Rate is ranked higher than
80% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SSFN: -0.50 )
SSFN' s 10-Year Share Buyback Rate Range
Min: 0.2   Max: -28.3
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
SSFN's Price/Tangible Book is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SSFN: 0.70 )
SSFN' s 10-Year Price/Tangible Book Range
Min: 0.57   Max: 6.46
Current: 0.7

0.57
6.46
Price/DCF (Projected) 0.20
SSFN's Price/DCF (Projected) is ranked higher than
96% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. SSFN: 0.20 )
SSFN' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 2.75
Current: 0.2

0.2
2.75
Price/Median PS Value 0.60
SSFN's Price/Median PS Value is ranked higher than
97% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. SSFN: 0.60 )
SSFN' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 19.19
Current: 0.6

0.4
19.19
Price/Graham Number 0.50
SSFN's Price/Graham Number is ranked higher than
94% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SSFN: 0.50 )
SSFN' s 10-Year Price/Graham Number Range
Min: 0.48   Max: 7.39
Current: 0.5

0.48
7.39
Earnings Yield (Greenblatt) 3.80
SSFN's Earnings Yield (Greenblatt) is ranked higher than
62% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SSFN: 3.80 )
SSFN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 8.2
Current: 3.8

0.3
8.2
Forward Rate of Return (Yacktman) -17.10
SSFN's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. SSFN: -17.10 )
SSFN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19   Max: 40.2
Current: -17.1

-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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STEWARDSHIP FINANCIAL CORP Financials Nov 21 2014
10-Q for Stewardship Financial Corp. Nov 14 2014
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Stewardship Financial Corporation Reports Earnings for Third Quarter of 2014 Nov 06 2014
STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 23 2014
Stewardship Financial Corporation Declares an Increased Cash Dividend Oct 22 2014
Stewardship Financial Corporation Declares an Increased Cash Dividend Oct 22 2014
Stewardship Financial (SSFN) Downgraded From Buy to Hold Oct 21 2014
Stewardship Financial (SSFN) Upgraded From Hold to Buy Sep 24 2014
STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Sep 19 2014
STEWARDSHIP FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 11 2014
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Stewardship Financial Corporation Announces Second Quarter of 2014 Earnings Aug 05 2014
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STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 17 2014
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