Stewardship Financial (Stewardship Financial) Debt-to-Equity : 1.12 (As of Jun. 2019)

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What is Stewardship Financial Debt-to-Equity?

Stewardship Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2019 was $0.00 Mil. Stewardship Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2019 was $93.86 Mil. Stewardship Financial's Total Stockholders Equity for the quarter that ended in Jun. 2019 was $84.09 Mil. Stewardship Financial's debt to equity for the quarter that ended in Jun. 2019 was 1.12.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Stewardship Financial's Debt-to-Equity or its related term are showing as below:

SSFN's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.69
* Ranked among companies with meaningful Debt-to-Equity only.

Stewardship Financial Debt-to-Equity Historical Data

The historical data trend for Stewardship Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Stewardship Financial Debt-to-Equity Chart

Stewardship Financial Annual Data

Trend

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Debt-to-Equity

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1.25

1.33

1.61

1.18

1.11

Stewardship Financial Quarterly Data
	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19
Debt-to-Equity	Get a 7-Day Free Trial															0.92	1.03	1.11	1.10	1.12

Competitive Comparison of Stewardship Financial's Debt-to-Equity

For the Banks - Regional subindustry, Stewardship Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Stewardship Financial's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Stewardship Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Stewardship Financial's Debt-to-Equity falls into.

Stewardship Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Stewardship Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2018 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	89.082)	/	80.15
	=	1.11

Stewardship Financial's Debt to Equity Ratio for the quarter that ended in Jun. 2019 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	93.858)	/	84.09
	=	1.12

Stewardship Financial (NAS:SSFN) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Stewardship Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Stewardship Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Stewardship Financial (Stewardship Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Stewardship Financial Corp (NAS:SSFN) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

630 Godwin Avenue, Midland Park, NJ, USA, 07432

Website

http://www.asbnow.com

Stewardship Financial Corp is a part of the financial services sector. It operates through the Atlantic Stewardship Bank in providing services such as personal banking, business banking, investment, and e-services. Under its personal banking business, it provides services like cash back checking, ideal checking, statement savings and money market accounts. Its business banking umbrella comprises of business checking, business savings, and merchant services. The bank also provides mortgages, home equity, commercial loans and consumer loans.

Executives

Ostenbridge Paul Van	director, officer: President & CEO	313 LONGBOW DRIVE, FRANKLIN LAKES NJ 07417
Howard Yeaton	director	79 LLOYD ROAD, HOHOKUS NJ 07423
James J Burke	officer: Chief Financial Officer	37 18 NORTHERN BLVD, LONG ISLAND CITY NY 11101