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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.36
SSFN's Cash-to-Debt is ranked lower than
79% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. SSFN: 0.36 )
Ranked among companies with meaningful Cash-to-Debt only.
SSFN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.56 Max: No Debt
Current: 0.36
Equity-to-Asset 0.07
SSFN's Equity-to-Asset is ranked lower than
79% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SSFN: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
SSFN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.09
Current: 0.07
0.07
0.09
Interest Coverage 1.51
SSFN's Interest Coverage is ranked lower than
53% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. SSFN: 1.51 )
Ranked among companies with meaningful Interest Coverage only.
SSFN' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.48 Max: 1.69
Current: 1.51
0.04
1.69
Piotroski F-Score: 4
Beneish M-Score: -2.32
WACC vs ROIC
3.93%
4.53%
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 % 27.40
SSFN's Operating Margin % is ranked lower than
60% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. SSFN: 27.40 )
Ranked among companies with meaningful Operating Margin % only.
SSFN' s Operating Margin % Range Over the Past 10 Years
Min: 0.9  Med: 18.45 Max: 31.71
Current: 27.4
0.9
31.71
Net Margin % 17.48
SSFN's Net Margin % is ranked lower than
67% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. SSFN: 17.48 )
Ranked among companies with meaningful Net Margin % only.
SSFN' s Net Margin % Range Over the Past 10 Years
Min: 1.74  Med: 12.85 Max: 20.42
Current: 17.48
1.74
20.42
ROE % 9.04
SSFN's ROE % is ranked higher than
54% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. SSFN: 9.04 )
Ranked among companies with meaningful ROE % only.
SSFN' s ROE % Range Over the Past 10 Years
Min: 0.23  Med: 5.38 Max: 13.45
Current: 9.04
0.23
13.45
ROA % 0.61
SSFN's ROA % is ranked lower than
67% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SSFN: 0.61 )
Ranked among companies with meaningful ROA % only.
SSFN' s ROA % Range Over the Past 10 Years
Min: 0.07  Med: 0.51 Max: 0.95
Current: 0.61
0.07
0.95
3-Year Revenue Growth Rate -6.40
SSFN's 3-Year Revenue Growth Rate is ranked lower than
85% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SSFN: -6.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SSFN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6.8  Med: 7.2 Max: 131.8
Current: -6.4
-6.8
131.8
3-Year EBITDA Growth Rate 102.50
SSFN's 3-Year EBITDA Growth Rate is ranked higher than
99% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. SSFN: 102.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SSFN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -48.9  Med: 7.7 Max: 102.5
Current: 102.5
-48.9
102.5
3-Year EPS without NRI Growth Rate 174.40
SSFN's 3-Year EPS without NRI Growth Rate is ranked higher than
100% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SSFN: 174.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SSFN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -67.8  Med: 10.7 Max: 174.4
Current: 174.4
-67.8
174.4
GuruFocus has detected 4 Warning Signs with Stewardship Financial Corp $SSFN.
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» SSFN's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-05-10)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:HMTA, OTCPK:HLND, AMEX:SGB, OTCPK:AVLY, NAS:PNBK, NAS:PBIB, OTCPK:BVBC, NAS:EMCF, OTCPK:AFCB, OTCPK:SBKK, OTCPK:CNAF, OTCPK:FPBK, NAS:OTTW, OTCPK:CBKM, OTCPK:CBCO, OTCPK:KTHN, OTCPK:JFBC, OTCPK:WDFN, OTCPK:CMOH, NAS:FBSS » details
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, among others.

Stewardship Financial Corp was 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.

Ratios

vs
industry
vs
history
PE Ratio 12.40
SSFN's PE Ratio is ranked higher than
54% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. SSFN: 12.40 )
Ranked among companies with meaningful PE Ratio only.
SSFN' s PE Ratio Range Over the Past 10 Years
Min: 8.56  Med: 15.54 Max: 206.33
Current: 12.4
8.56
206.33
PE Ratio without NRI 12.40
SSFN's PE Ratio without NRI is ranked higher than
56% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. SSFN: 12.40 )
Ranked among companies with meaningful PE Ratio without NRI only.
SSFN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.56  Med: 15.54 Max: 206.33
Current: 12.4
8.56
206.33
Price-to-Owner-Earnings 12.86
SSFN's Price-to-Owner-Earnings is ranked higher than
55% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. SSFN: 12.86 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SSFN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.55  Med: 12.22 Max: 630
Current: 12.86
4.55
630
PB Ratio 1.07
SSFN's PB Ratio is ranked higher than
52% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SSFN: 1.07 )
Ranked among companies with meaningful PB Ratio only.
SSFN' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 0.84 Max: 2.09
Current: 1.07
0.5
2.09
PS Ratio 2.17
SSFN's PS Ratio is ranked higher than
69% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. SSFN: 2.17 )
Ranked among companies with meaningful PS Ratio only.
SSFN' s PS Ratio Range Over the Past 10 Years
Min: 0.69  Med: 1.47 Max: 13.36
Current: 2.17
0.69
13.36
Price-to-Free-Cash-Flow 11.17
SSFN's Price-to-Free-Cash-Flow is ranked higher than
56% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. SSFN: 11.17 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SSFN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.63  Med: 9.15 Max: 198.42
Current: 11.17
1.63
198.42
Price-to-Operating-Cash-Flow 10.86
SSFN's Price-to-Operating-Cash-Flow is ranked higher than
53% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. SSFN: 10.86 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SSFN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.62  Med: 7.91 Max: 81.96
Current: 10.86
1.62
81.96
EV-to-EBIT 13.27
SSFN's EV-to-EBIT is ranked lower than
56% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. SSFN: 13.27 )
Ranked among companies with meaningful EV-to-EBIT only.
SSFN' s EV-to-EBIT Range Over the Past 10 Years
Min: -54846.7  Med: 19.7 Max: 287.9
Current: 13.27
-54846.7
287.9
EV-to-EBITDA 12.58
SSFN's EV-to-EBITDA is ranked lower than
56% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. SSFN: 12.58 )
Ranked among companies with meaningful EV-to-EBITDA only.
SSFN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -203.7  Med: 17.6 Max: 1028.8
Current: 12.58
-203.7
1028.8
PEG Ratio 0.27
SSFN's PEG Ratio is ranked higher than
92% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. SSFN: 0.27 )
Ranked among companies with meaningful PEG Ratio only.
SSFN' s PEG Ratio Range Over the Past 10 Years
Min: 1.45  Med: 4.97 Max: 330.68
Current: 0.27
1.45
330.68
Shiller PE Ratio 19.48
SSFN's Shiller PE Ratio is ranked higher than
53% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. SSFN: 19.48 )
Ranked among companies with meaningful Shiller PE Ratio only.
SSFN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.05  Med: 9.67 Max: 21.3
Current: 19.48
6.05
21.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.33
SSFN's Dividend Yield % is ranked lower than
83% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. SSFN: 1.33 )
Ranked among companies with meaningful Dividend Yield % only.
SSFN' s Dividend Yield % Range Over the Past 10 Years
Min: 0.77  Med: 2.36 Max: 5.73
Current: 1.33
0.77
5.73
Dividend Payout Ratio 0.14
SSFN's Dividend Payout Ratio is ranked higher than
88% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SSFN: 0.14 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SSFN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.47 Max: 10
Current: 0.14
0.13
10
3-Year Dividend Growth Rate -18.90
SSFN's 3-Year Dividend Growth Rate is ranked lower than
89% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. SSFN: -18.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SSFN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 9.7 Max: 38.1
Current: -18.9
0
38.1
Forward Dividend Yield % 1.33
SSFN's Forward Dividend Yield % is ranked lower than
86% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. SSFN: 1.33 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.25
SSFN's 5-Year Yield-on-Cost % is ranked lower than
99% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. SSFN: 0.25 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SSFN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.14  Med: 0.44 Max: 1.07
Current: 0.25
0.14
1.07
3-Year Average Share Buyback Ratio -0.90
SSFN's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. SSFN: -0.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SSFN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -28.3  Med: -0.9 Max: 0
Current: -0.9
-28.3
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.07
SSFN's Price-to-Tangible-Book is ranked higher than
55% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SSFN: 1.07 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SSFN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.57  Med: 1.49 Max: 2.81
Current: 1.07
0.57
2.81
Price-to-Intrinsic-Value-Projected-FCF 0.42
SSFN's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
81% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SSFN: 0.42 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SSFN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.48 Max: 14.69
Current: 0.42
0.2
14.69
Price-to-Median-PS-Value 1.48
SSFN's Price-to-Median-PS-Value is ranked lower than
82% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SSFN: 1.48 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SSFN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.61 Max: 8.84
Current: 1.48
0.53
8.84
Price-to-Graham-Number 0.77
SSFN's Price-to-Graham-Number is ranked higher than
58% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SSFN: 0.77 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SSFN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.53  Med: 1.06 Max: 2.52
Current: 0.77
0.53
2.52
Earnings Yield (Greenblatt) % 7.50
SSFN's Earnings Yield (Greenblatt) % is ranked higher than
58% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SSFN: 7.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SSFN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 5 Max: 9.3
Current: 7.5
0.3
9.3
Forward Rate of Return (Yacktman) % -29.07
SSFN's Forward Rate of Return (Yacktman) % is ranked lower than
96% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. SSFN: -29.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SSFN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -20.1  Med: 6.7 Max: 40.2
Current: -29.07
-20.1
40.2

More Statistics

Revenue (TTM) (Mil) $25.45
EPS (TTM) $ 0.73
Beta0.24
Short Percentage of Float0.13%
52-Week Range $5.51 - 10.20
Shares Outstanding (Mil)6.12
» More Articles for SSFN

Headlines

Articles On GuruFocus.com

More From Other Websites
STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 24 2017
Stewardship Financial Corporation Reports Earnings for Fourth Quarter and Year Ended December 31,... Feb 23 2017
STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 20 2017
Stewardship Financial Corporation Declares Cash Dividend Jan 19 2017
Stewardship Financial Corp. : SSFN-US: Dividend Analysis : November 01st, 2016 (record date) : By... Dec 29 2016
STEWARDSHIP FINANCIAL CORP Financials Nov 18 2016
Stewardship Financial Corp. :SSFN-US: Earnings Analysis: Q3, 2016 By the Numbers : November 11, 2016 Nov 11 2016
STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 10 2016
Stewardship Financial Corporation Reports Earnings for Third Quarter of 2016 Nov 09 2016
STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 20 2016
Stewardship Financial Corporation Declares Cash Dividend Oct 19 2016
Stewardship Financial Corp. : SSFN-US: Dividend Analysis : August 01st, 2016 (record date) : By the... Oct 12 2016
STEWARDSHIP FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 09 2016
Stewardship Financial Corp. :SSFN-US: Earnings Analysis: Q2, 2016 By the Numbers : August 9, 2016 Aug 09 2016
Stewardship Financial Corporation Announces Second Quarter of 2016 Earnings Aug 04 2016
Stewardship Financial Corporation Announces Second Quarter of 2016 Earnings Aug 04 2016
STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 21 2016
Stewardship Financial Corporation Declares Cash Dividend Jul 20 2016
Stewardship Financial Corp. :SSFN-US: Earnings Analysis: Q1, 2016 By the Numbers May 19 2016
STEWARDSHIP FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 17 2016

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