Stewardship Financial Cash Flow - Quarterly (NASDAQ:SSFN)

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$11.25 $0.4 (3.69%) SSFN stock closing price Feb 16, 2018 (Closing)

The financial analysis of SSFN requires an investor to check the cash flows for Stewardship Financial. While its important to look at the Stewardship Financial debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as Stewardship Financial revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. Stewardship Financial had cash and cash equivalents of $10.91M at beginning of the quarter and $17.21M at quarter end of 2017 Q3. Stewardship Financial cash flow analysis tells whether or not the company has enough cash for its day to day activities, and for investing for future growth. Stewardship Financial has a positive cash and cash equivalents change of $5.53M.

View and download details of Stewardship Financial cash flows for latest & last 40 quarters
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Quarterly
Annual
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Fiscal year is Jan - Dec2017 Q32017 Q22017 Q12016 Q42016 Q32016 Q22016 Q12015 Q42015 Q3
Net Income Cash Flow
3.89M2.25M-4.73M3.38M2.35M-4.2M3.13M
Depreciation Depletion Amortization Cash-Flow---1.32M---1.27M-
Net Increase (Decrease) in Assets Liabilities-----1M--3.16M-3.01M
Cash From (used in) Discontinued Operations---------
Other Adjustments Net----0.72M-0.91M-0.61M-0.14M-1.11M-0.97M
Net Cash from (used by) Operating Activities
5.42M3.21M1.77M5.9M3.99M3.3M1.47M1.2M-
Increase (Decrease) in Prop Plant And Equipment-0.01M--0.13M----0.02M--
Acquisition Disposition of Subsidiaires-0.4M-1.65M-0.26M-0.9M--0.04M-1.16M-
Increase (Decrease) in Investments-17.65M-17.02M2.68M1.78M-2.57M-8.79M-4.96M25.34M33.14M
Other Cash Inflow (Outflow) from Investment Activities-91.65M-91.83M-50.57M-79.56M-27.46M-13.05M-1.66M-49.46M-41.01M
Net Cash from (used by) Investment Activities
-109.73M-110.43M-48.28M-77.94M-29.8M-21.77M-6.64M-22.1M-6.57M
Issuance (Purchase) of Equity Shares18.95M18.91M------14.85M1.03M
Issuance (Repayment) of Debt Securities15M20M-5M8M-5M--15.94M-
Increase (Decrease) in Bank & Other Borrowings-5.44M14.56M11M11.2M----26.7M-17.2M
Payment of Dividends & Other Cash Distributions-0.7M-0.44M-0.18M-0.67M-0.48M-0.3M-0.12M-0.94M-0.82M
Other Cash from (used by) Financing Activities82.02M61.96M41.77M54.17M41.33M21.71M7.67M48.27M29.39M
Net Cash from (used by) Financing Activities
109.83M114.99M47.62M72.8M35.92M21.46M7.58M21.72M12.4M
Effect of Exchange Rate Changes on Cash---------
Net Change in Cash & Cash Equivalents
5.53M7.77M1.11M-10.11M2.99M2.4M-5.93M
Cash & Equivalents at Beginning of Year10.91M10.08M17.4M21.01M13.69M19.98M8.87M12.81M11.93M
Cash & Equivalents at Year End17.21M19.45M12.79M11.68M21.02M13.9M13.31M10.91M16.02M
All figures in USD. M: Millions of USD, B: Billions of USD.
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Stewardship Financial stock comparison chart provides an easy way to compare the stock price with peers along with details of Stewardship Financial stock price history.
The statement of cash flows can be categorized into the following main sections:

  • Stewardship Financial has cash of $17.21M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the Stewardship Financial stock price.
  • Cash Flow from operating activities: Stewardship Financial reported a positive operating cash flow of $5.42M till 2017 Q3 and has seen an increase from the previous quarter. Operating cash flow comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Cash from investing stood at a negative value of $-109.73M for SSFN stock. A company with surplus cash usually thinks of re-investing it in the form of buying fixed assests, or purchasing plant/ machinery which will help grow the business further. By looking at cash flow from investment activities one can check where the company is putting its cash.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $109.83M for Stewardship Financial. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.

Key Financial Ratios For Stewardship Financial Cash Flow

FCF margin
0.23

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