Stewardship Financial Annual Income Statement (NASDAQ:SSFN)

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$9.4 $0.55 (5.53%) SSFN stock closing price Dec 09, 2016 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to the Stewardship Financial stock price. In the income statement, an investor can look at important parameters like revenue, gross profits, net profits, and EPS basic to gain deeper insights. Like any other income statement, the SSFN income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a YoY revenue growth of $1.21M when compared to the same period in the past. The Stewardship Financial profit and loss statement for 2015 shows a profit of $4.2M. Profits have grown from $3.08M YoY. Apart from this an investor should also check Stewardship Financial assets and Stewardship Financial free cash flow. 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:
  • Topline: A growing topline, as seen from the Stewardship Financial revenue chart, as is the case with Stewardship Financial indicates a growing business. One needs to compare the QoQ or YoY topline growth of SSFN stock with its peers like COBK stock and PNBK stock to see if the growth compares well with what can be expected for a company in that industry.
  • 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 the profit and loss statement. Apart from the income statement, one can check the Stewardship Financial historical stock prices to check how the price has moved with time. .

Stewardship Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
13.0560
PS ratio (
price sales ratio
)
1.9872
Operating margin
33.6
Net profit margin
16.3
Dividend yield
1.06%