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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 lower than
74% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. SSFN: 0.37 )
Ranked among companies with meaningful Cash to Debt only.
SSFN' s 10-Year Cash to Debt Range
Min: 0.14  Med: 0.59 Max: No Debt
Current: 0.37
Equity to Asset 0.09
SSFN's Equity to Asset is ranked lower than
62% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SSFN: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
SSFN' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.09
Current: 0.09
0.07
0.09
Interest Coverage 1.40
SSFN's Interest Coverage is ranked lower than
54% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. SSFN: 1.40 )
Ranked among companies with meaningful Interest Coverage only.
SSFN' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.63 Max: 1.4
Current: 1.4
0.04
1.4
F-Score: 5
WACC vs ROIC
2.28%
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 lower than
72% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. SSFN: 20.80 )
Ranked among companies with meaningful Operating margin (%) only.
SSFN' s 10-Year Operating margin (%) Range
Min: -489.23  Med: 19.31 Max: 32.56
Current: 20.8
-489.23
32.56
Net-margin (%) 13.82
SSFN's Net-margin (%) is ranked lower than
75% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. SSFN: 13.82 )
Ranked among companies with meaningful Net-margin (%) only.
SSFN' s 10-Year Net-margin (%) Range
Min: 1.74  Med: 20.15 Max: 167.58
Current: 13.82
1.74
167.58
ROE (%) 4.88
SSFN's ROE (%) is ranked lower than
73% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. SSFN: 4.88 )
Ranked among companies with meaningful ROE (%) only.
SSFN' s 10-Year ROE (%) Range
Min: 0.23  Med: 13.02 Max: 14.45
Current: 4.88
0.23
14.45
ROA (%) 0.51
SSFN's ROA (%) is ranked lower than
71% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SSFN: 0.51 )
Ranked among companies with meaningful ROA (%) only.
SSFN' s 10-Year ROA (%) Range
Min: 0.07  Med: 0.94 Max: 1.11
Current: 0.51
0.07
1.11
Revenue Growth (3Y)(%) -6.80
SSFN's Revenue Growth (3Y)(%) is ranked lower than
82% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. SSFN: -6.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SSFN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.8  Med: 8.30 Max: 133.7
Current: -6.8
-6.8
133.7
EBITDA Growth (3Y)(%) 76.20
SSFN's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SSFN: 76.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SSFN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -48.4  Med: 6.00 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 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. SSFN: 171.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SSFN' s 10-Year EPS Growth (3Y)(%) Range
Min: -67.8  Med: 10.30 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
55% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. SSFN: 13.30 )
Ranked among companies with meaningful P/E(ttm) only.
SSFN' s 10-Year P/E(ttm) Range
Min: 11.97  Med: 16.63 Max: 228
Current: 13.3
11.97
228
Forward P/E 13.32
SSFN's Forward P/E is ranked lower than
62% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. SSFN: 13.32 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.20
SSFN's PE(NRI) is ranked higher than
56% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. SSFN: 13.20 )
Ranked among companies with meaningful PE(NRI) only.
SSFN' s 10-Year PE(NRI) Range
Min: 11.89  Med: 16.45 Max: 285
Current: 13.2
11.89
285
P/B 0.82
SSFN's P/B is ranked higher than
71% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SSFN: 0.82 )
Ranked among companies with meaningful P/B only.
SSFN' s 10-Year P/B Range
Min: 0.5  Med: 1.16 Max: 2.81
Current: 0.82
0.5
2.81
P/S 1.44
SSFN's P/S is ranked higher than
85% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. SSFN: 1.44 )
Ranked among companies with meaningful P/S only.
SSFN' s 10-Year P/S Range
Min: 0.69  Med: 1.83 Max: 13.55
Current: 1.44
0.69
13.55
PFCF 10.45
SSFN's PFCF is ranked higher than
54% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. SSFN: 10.45 )
Ranked among companies with meaningful PFCF only.
SSFN' s 10-Year PFCF Range
Min: 1.63  Med: 8.58 Max: 188.5
Current: 10.45
1.63
188.5
POCF 7.39
SSFN's POCF is ranked higher than
60% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. SSFN: 7.39 )
Ranked among companies with meaningful POCF only.
SSFN' s 10-Year POCF Range
Min: 1.63  Med: 7.23 Max: 75.4
Current: 7.39
1.63
75.4
EV-to-EBIT 16.73
SSFN's EV-to-EBIT is ranked lower than
62% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. SSFN: 16.73 )
Ranked among companies with meaningful EV-to-EBIT only.
SSFN' s 10-Year EV-to-EBIT Range
Min: -54846.7  Med: 20.00 Max: 288.3
Current: 16.73
-54846.7
288.3
PEG 6.29
SSFN's PEG is ranked lower than
91% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SSFN: 6.29 )
Ranked among companies with meaningful PEG only.
SSFN' s 10-Year PEG Range
Min: 0.54  Med: 1.90 Max: 16.08
Current: 6.29
0.54
16.08
Shiller P/E 25.64
SSFN's Shiller P/E is ranked lower than
76% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. SSFN: 25.64 )
Ranked among companies with meaningful Shiller P/E only.
SSFN' s 10-Year Shiller P/E Range
Min: 7.74  Med: 15.40 Max: 26.29
Current: 25.64
7.74
26.29
Days Sales Outstanding 26.93
SSFN's Days Sales Outstanding is ranked higher than
64% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. SSFN: 26.93 )
Ranked among companies with meaningful Days Sales Outstanding only.
SSFN' s 10-Year Days Sales Outstanding Range
Min: 28.22  Med: 43.66 Max: 430.22
Current: 26.93
28.22
430.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.32
SSFN's Dividend Yield is ranked lower than
80% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. SSFN: 1.32 )
Ranked among companies with meaningful Dividend Yield only.
SSFN' s 10-Year Dividend Yield Range
Min: 0.77  Med: 2.36 Max: 5.73
Current: 1.32
0.77
5.73
Dividend Payout 0.13
SSFN's Dividend Payout is ranked higher than
88% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SSFN: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
SSFN' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.28 Max: 1.67
Current: 0.13
0.09
1.67
Dividend growth (3y) -37.00
SSFN's Dividend growth (3y) is ranked lower than
90% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SSFN: -37.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
SSFN' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -9.40 Max: 52.8
Current: -37
0
52.8
Yield on cost (5-Year) 0.13
SSFN's Yield on cost (5-Year) is ranked lower than
99% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. SSFN: 0.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SSFN' s 10-Year Yield on cost (5-Year) Range
Min: 0.08  Med: 0.24 Max: 0.58
Current: 0.13
0.08
0.58
Share Buyback Rate -0.80
SSFN's Share Buyback Rate is ranked higher than
60% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SSFN: -0.80 )
Ranked among companies with meaningful Share Buyback Rate only.
SSFN' s 10-Year Share Buyback Rate Range
Min: 0.2  Med: -0.90 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
74% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SSFN: 0.82 )
Ranked among companies with meaningful Price/Tangible Book only.
SSFN' s 10-Year Price/Tangible Book Range
Min: 0.57  Med: 1.57 Max: 2.84
Current: 0.82
0.57
2.84
Price/Projected FCF 0.28
SSFN's Price/Projected FCF is ranked higher than
86% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. SSFN: 0.28 )
Ranked among companies with meaningful Price/Projected FCF only.
SSFN' s 10-Year Price/Projected FCF Range
Min: 0.2  Med: 0.70 Max: 1.64
Current: 0.28
0.2
1.64
Price/Median PS Value 0.79
SSFN's Price/Median PS Value is ranked higher than
86% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SSFN: 0.79 )
Ranked among companies with meaningful Price/Median PS Value only.
SSFN' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 1.37 Max: 7.1
Current: 0.79
0.43
7.1
Price/Graham Number 0.54
SSFN's Price/Graham Number is ranked higher than
81% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SSFN: 0.54 )
Ranked among companies with meaningful Price/Graham Number only.
SSFN' s 10-Year Price/Graham Number Range
Min: 0.46  Med: 1.05 Max: 2.89
Current: 0.54
0.46
2.89
Earnings Yield (Greenblatt) (%) 6.00
SSFN's Earnings Yield (Greenblatt) (%) is ranked lower than
56% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SSFN: 6.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SSFN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 4.80 Max: 9.3
Current: 6
0.3
9.3
Forward Rate of Return (Yacktman) (%) -22.45
SSFN's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. SSFN: -22.45 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SSFN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -19  Med: 8.50 Max: 40.2
Current: -22.45
-19
40.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
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