Stewardship Financial Annual Income Statement (NASDAQ:SSFN)

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$9.6 $0.2 (2.04%) SSFN stock closing price Jan 20, 2017 (Closing)

Financial analysis of Stewardship Financial involves more than just checking the Stewardship Financial stock price, by looking at the financial statements of the company in detail. The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. The income statement is generated for a specific period of time. The revenue increase of $29.1M for 2015 impacts the SSFN stock. Investors typically check year over year or quarter over quarter 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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Annual
Quarterly
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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
29.1M27.89M30.53M35.09M36.73M37.37M37.28M39.29M37.72M34.18M
Cost Of Goods Sold (COGS)2.06M1.8M2.33M3.4M4.86M6.62M8.79M10.53M12.01M8.88M
Stewardship Financial Gross Profit
27.03M26.08M28.2M31.69M31.87M30.74M28.49M28.75M25.71M25.3M
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
6.47M4.5M3.11M0.27M0.26M1.06M5.11M4.94M6.68M7.38M
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)
4.2M3.08M2.47M0.52M0.68M1.23M3.63M3.5M4.6M4.75M
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
0.620.400.310.030.020.120.540.600.790.86
Stewardship Financial Earnings Per Share Diluted Net
0.620.400.310.030.020.120.540.600.790.85
EPS Diluted Before Nonrecurring Items0.620.400.310.030.020.120.540.600.790.85
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.080.050.040.150.200.280.370.340.310.28
All figures in USD. M: Millions of USD, B: Billions of USD.
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It is very helpful to read a report on Stewardship Financial stock analysis. An investor must check the following items in an income statement:
  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that SSFN stock has a topline or revenue of $29.1M for 2015 as per this Stewardship Financial revenue chart. Investors look for stocks with a growing top line.
  • Bottom line: This refers to the last line in a profit and loss statement and denotes the net profit or loss for a particular period. The figure currently stands at $4.2M for Stewardship Financial for 2015. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
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)
13.3330
PS ratio (
price sales ratio
)
2.0294
Operating margin
33.6
Net profit margin
16.3
Dividend yield
1.04%