Stewardship Financial Revenue, Profits - SSFN Annual Income Statement

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$10.45 $0.7 (7.18%) SSFN stock closing price Sep 22, 2017 (Closing)

SSFN stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the Stewardship Financial stock price. In the income statement, an investor can check for important parameters like the topline or sales, the bottomline or profits, the basic EPS, dividends etc. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the SSFN stock is bound to reflect the impact of the YoY growth of $1.39M. One also needs to look at Stewardship Financial assets, operating expenses and Stewardship Financial free cash flow. The Stewardship Financial profit and loss statement shows revenue of $30.49M for 2016. Revenue has grown by $1.39M YoY for SSFN stock. Stewardship Financial revenue for 2016 is 30.49M. View revenue and profit details for latest and last 10 financial years.

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Quarterly
Annual
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Fiscal year is Jan - Dec.2016201520142013201220112010200920082007
Stewardship Financial Net Sales or Revenues
30.49M29.1M27.89M30.53M35.09M36.73M37.37M37.28M39.29M37.72M
Cost Of Goods Sold (COGS)2.29M2.06M1.8M2.33M3.4M4.86M6.62M8.79M10.53M12.01M
Stewardship Financial Gross Profit
28.2M27.03M26.08M28.2M31.69M31.87M30.74M28.49M28.75M25.71M
Research & Development Expense----------
Selling General & Admin Expense18.55M18.8M20.18M23.61M29.64M29.5M27.52M21.36M21.53M17.12M
Income Before Depreciation Depletion Amortization9.65M8.22M5.9M4.58M2.04M2.37M3.22M7.13M7.21M8.58M
Depreciation Depletion Amortization--------0.03M0.03M
Non Operating Income----------
Interest Expense2.22M1.75M1.4M1.47M1.77M2.1M2.15M2.01M2.23M1.86M
Stewardship Financial Pretax Income
7.43M6.47M4.5M3.11M0.27M0.26M1.06M5.11M4.94M6.68M
Provision for Income Taxes2.69M2.27M1.41M0.64M-0.24M-0.41M-0.16M1.47M1.44M2.07M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations4.73M4.2M3.08M2.47M0.52M0.68M1.23M3.63M3.5M4.6M
Extraordinary Items & Discontinued Operations----------
Stewardship Financial Net Income (Profit/Loss)
4.73M4.2M3.08M2.47M0.52M0.68M1.23M3.63M3.5M4.6M
Average Shares used to compute Diluted EPS6.11M6.08M6M5.94M5.91M5.86M5.84M5.84M5.83M5.84M
Average Shares used to compute Basic EPS6.11M6.08M6M5.94M5.91M5.86M5.84M5.84M5.83M5.84M
Income Before Nonrecurring Items4.74M4.2M3.09M2.47M0.52M0.68M1.23M3.63M3.5M4.61M
Income from Nonrecurring Items----------
Stewardship Financial Earnings Per Share Basic Net
0.780.620.400.310.030.020.120.540.600.79
Stewardship Financial Earnings Per Share Diluted Net
0.780.620.400.310.030.020.120.540.600.79
EPS Diluted Before Nonrecurring Items0.780.620.400.310.030.020.120.540.600.79
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.110.080.050.040.150.200.280.370.340.31
All figures in USD. M: Millions of USD, B: Billions of USD.
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Before investing one should read a report on Stewardship Financial stock analysis. It helps to look at the following income statement items:
  • 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 or sales are declining.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $30.49M - other expenses = $4.73M for SSFN stock. An improving bottomline implies that the company is growing its profits.
The income statement is also called the profit and loss statement. Apart from the SSFN 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)
14.72
PS Ratio (price sales ratio)
2.73
Operating Margin
30.7
Net Profit Margin
14.5
Dividend Yield
1.15%