Stewardship Financial Corp

Visual Financials
Company Name: Stewardship Financial Corp
Ticker Symbol: SSFN
CIK Number: 0001023860
WWW Address: https://www.asbnow.com
CEO: Mr. Paul Van Ostenbridge
No. of Employees: 144
Common Issue Type: CS
Business Description:Stewardship Financial Corporation is 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.

 
Industry Information: BANKING - Regional - Northeast Banks [more like this]
 Price  Day Change  Bid  Ask  Open  High  Low  Volume 
 15.37 Down -0.02 15.23 15.39 15.37 8.90 8.89 25842
 Market Cap (mil) Shares Outstanding (mil) Beta EPS DPS P/E Yield 52-Wks-Range
 133.9 8.7 0.00 0.93 0.12 9.5 1.4 12.00 - 8.20
KEY FIGURES (Latest Twelve Months - LTM)
Yesterday's Close8.90$
PE Ratio - LTM9.5
Market Capitalisation133.9mil
Latest Shares Outstanding8.7mil
Earnings pS (EPS)0.93$
Dividend pS (DPS)0.12¢
Dividend Yield1.4%
Dividend Payout Ratio%
Revenue per Employee287,672$
Effective Tax Rate0.0%
Float7.8mil
Float as % of Shares Outstanding0.9%
Foreign Sales-
Domestic Sales-
Selling, General & Adm/tive (SG&A) as % of Revenue-
Research & Devlopment (R&D) as % of Revenue-
Gross Profit Margin-
EBITDA Margin0.0%
Pre-Tax Profit Margin0.0%
Assets Turnover3.3%
Return on Assets (ROA)0.9%
Return on Equity (ROE)10.4%
Return on Capital Invested (ROCI)0.0%
Current Ratio-
Leverage Ratio (Assets/Equity)11.9
Interest Cover
Total Debt/Equity (Gearing Ratio)1.11
LT Debt/Total Capital53.0%
Working Capital pS-
Cash pS-
Book-Value pS9.45$
Tangible Book-Value pS9.20$
Cash Flow pS0.89$
Free Cash Flow pS0.80$
KEY FIGURES (LTM): Price info
Price/Book Ratio0.93
Price/Tangible Book Ratio0.00
Price/Cash Flow9.9
Price/Free Cash Flow11.0
P/E as % of Industry Group5,464.0%
P/E as % of Sector Segment984.0%
 
Balance Sheet (at a glance) in Millions
DIVIDEND INFO
Type of PaymentCash Payment
Dividend Rate0.12
Current Dividend Yield1.4
5-Y Average Dividend Yield3.6
Payout Ratio0.0
5-Y Average Payout Ratio371.0
Share price performance previous 3 years

Share price performance intraday

 
PRICE/VOLUMEHighLowClose% Price Chg% Price Chg vs. Mkt.Avg. Daily VolTotal Vol
1 Week---2.32,66312,607
4 Weeks9.128.449.07-1.82,25242,795
13 Weeks9.958.449.26-3.93,064193,094
26 Weeks10.008.209.75-8.74,166516,663
52 Weeks12.008.2011.80-24.54,0171,004,270
YTD9.958.20-3.53,187344,248
Moving Average5-Days10-Days10-Weeks30-Weeks200-DaysBeta (60-Mnth)Beta (36-Mnth)
8.818.839.019.189.550.000.00
 
GROWTH RATES5-Year
Growh
R² of 5-Year Growth3-Year
Growth
Revenue0.030.20.08
Income0.270.60.24
Dividend0.250.30.14
Capital Spending-0.12NA0.84
R&D0.00NA0.00
Normalized Inc.-37.47NA-24.03
 
CHANGESYTD vs.
Last YTD
Curr Qtr vs.
Qtr 1-Yr ago
Annual vs.
Last Annual
Revenue %-8.0-8.0-4.5
Earnings %5.95.9-24.0
EPS %-8.3-8.350.0
EPS $-0.01-0.010.01
 
SOLVENCY RATIOS
SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin-4.51
Free Cash Flow Margin 5YEAR AVG-5.58
Cash-Flow pS0.00
Free Cash-Flow pS1.94
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity)11.92
Debt Ratio0.00
Total Debt/Equity (Gearing Ratio)1.11
LT Debt/Equity1.11
LT Debt/Capital Invested52.64
LT Debt/Total Liabilities0.00
 
VALUATION RATIOS
MULTIPLES
PQ Ratio0.93
Tobin's Q Ratio0.08
Current P/E Ratio - LTM9.50
Enterprise Value (EV)/EBITDA0.00
Enterprise Value (EV)/Free Cash Flow80.08
Dividend Yield1.4
Price/Tangible Book Ratio - LTM0.00
Price/Book Ratio - LTM0.93
Price/Cash Flow Ratio9.9
Price/Free Cash Flow Ratio - LTM11.0
P/E Ratio (1 month ago) - LTM158.3
P/E Ratio (26 weeks ago) - LTM0.0
P/E Ratio (52 weeks ago) - LTM54.1
5-Y High P/E Ratio14.0
5-Y Low P/E Ratio4.1
5-Y Average P/E Ratio95.4
Current P/E Ratio as % of 5-Y Average P/E7
P/E as % of Industry Group5,464.0
P/E as % of Sector Segment984.0
Current 12 Month Normalized P/E Ratio - LTM34.1
PER SHARE FIGURES
Tangible Book Value pS - LTM9.20
Book Value pS - LTM9.45
Capital Invested pS19.43
Cash Flow pS - LTM0.89
Free Cash Flow pS - LTM0.80
Earnings pS (EPS)0.93
 
OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE)10.02
Return on Equity (ROE) - 5YEAR AVRG.0.1
Return on Capital Invested (ROCI)4.74
Return on Capital Invested (ROCI) - 5YEAR AVRG.
Return on Assets (ROA)0.84
Return on Assets (ROA) - 5YEAR AVRG.0.0
EBIT Margin - LTM0.0
EBITDA Margin - LTM0.0
Pre-Tax Profit Margin135.20
Pre-Tax Profit Margin - 5YEAR AVRG.135.31
Net Profit Margin28.75
Net Profit Margin - 5YEAR AVRG.19.63
Effective Tax Rate8.00
Effective Tax Rate - 5YEAR AVRG.8.37
EFFICIENCY RATIOS
Revenue per Employee - LTM281,754
Net Income per Employee - LTM8,344
Assets/Revenue - LTM0.00
Assets/Revenue - 5YEAR AVRG.3,390.98



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