Stewardship Financial Annual Income Statement (NASDAQ:SSFN)

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$7.85 $0.08 (1.08%) SSFN stock closing price Oct 25, 2016 (Closing)

SSFN stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the Stewardship Financial stock price. The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. The income statement for SSFN which implies a YoY revenue growth of $1.21M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. Along with Stewardship Financial assets and Stewardship Financial free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have increased from $3.08M YoY and 2015 revenue is $29.1M. Stewardship Financial revenue for 2015 is $29.1M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Stewardship Financial Net Sales or Revenues
Cost Of Goods Sold (COGS)2.06M1.8M2.33M3.4M4.86M6.62M8.79M10.53M12.01M8.88M
Stewardship Financial Gross Profit
Research & Development Expense----------
Selling General & Admin Expense18.8M20.18M23.61M29.64M29.5M27.52M21.36M21.53M17.12M15.85M
Income Before Depreciation Depletion Amortization8.22M5.9M4.58M2.04M2.37M3.22M7.13M7.21M8.58M9.45M
Depreciation Depletion Amortization-------0.03M0.03M0.03M
Non Operating Income----------
Interest Expense1.75M1.4M1.47M1.77M2.1M2.15M2.01M2.23M1.86M2.03M
Stewardship Financial Pretax Income
Provision for Income Taxes2.27M1.41M0.64M-0.24M-0.41M-0.16M1.47M1.44M2.07M2.62M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations4.2M3.08M2.47M0.52M0.68M1.23M3.63M3.5M4.6M4.75M
Extraordinary Items & Discontinued Operations----------
Stewardship Financial Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS6.08M6M5.94M5.91M5.86M5.84M5.84M5.83M5.84M5.59M
Average Shares used to compute Basic EPS6.08M6M5.94M5.91M5.86M5.84M5.84M5.83M5.84M5.54M
Income Before Nonrecurring Items4.2M3.09M2.47M0.52M0.68M1.23M3.63M3.5M4.61M4.75M
Income from Nonrecurring Items----------
Stewardship Financial Earnings Per Share Basic Net
Stewardship Financial Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items0.620.400.310.
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.
All figures in USD. M: Millions of USD, B: Billions of USD.

Stewardship Financial stock analysis involves checking at least a few of the important things like:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: Stewardship Financial revenue chart) implies that the company is growing, which has been the case with Stewardship Financial. One must stay away from stocks whose revenues are declining.
  • Bottom line: The word bottom line comes because it is usually the last line of the income statement and refers to the actual profits after deducting all expenses from the revenues. SSFN stock had a healthy bottom line growth.
The income statement is also called statement of revenue and expense. The financials along with Stewardship Financial historical stock prices provides a lot of details about the firm. .

Stewardship Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield