Stewardship Financial Revenue, Profits - SSFN Annual Income Statement

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$10.6 $0.3 (2.75%) SSFN stock closing price Jul 20, 2018 (Closing)

Financial statements provide us with a way to gain insights and undertake the fundamental analysis of a company. Checking Stewardship Financial stock price alone is not sufficient. 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 shows a YOY revenue growth of 16.53% is specific to a period of time. Investors typically check YoY or QoQ revenue growth. The operating expenses as shown in the Stewardship Financial profit and loss statement for 2017 total to $20.95M. This line item shows that the operating expenses has increased compared with last year. Also check: Stewardship Financial assets and Stewardship Financial free cash flow.

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 - Dec2017201620152014201320122011201020092008
Stewardship Financial Revenues or Net Sales
35.53M30.49M29.1M27.89M30.53M35.09M36.73M37.37M37.28M39.29M
Cost Of Goods Sold (COGS)3.18M2.29M2.06M1.8M2.33M3.4M4.86M6.62M8.79M10.53M
Stewardship Financial Gross Profit
32.34M28.2M27.03M26.08M28.2M31.69M31.87M30.74M28.49M28.75M
Research & Development Expense----------
Selling General & Admin Expense20.95M18.55M18.8M20.18M23.61M29.64M29.5M27.52M21.36M21.53M
Income Before Depreciation Depletion Amortization11.39M9.65M8.22M5.9M4.58M2.04M2.37M3.22M7.13M7.21M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense2.66M2.22M1.75M1.4M1.47M1.77M2.1M2.15M2.01M2.23M
Stewardship Financial Pretax Income
8.72M7.43M6.47M4.5M3.11M--1.06M5.11M4.94M
Provision for Income Taxes4.77M2.69M2.27M1.41M--0.24M-0.41M-0.16M1.47M1.44M
MinorityInterest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations3.94M4.73M4.2M3.08M2.47M--1.23M3.63M3.5M
Extraordinary Items & Discontinued Operations----------
Stewardship Financial Profit/ Loss (Net Income)
3.94M4.73M4.2M3.08M2.47M--1.23M3.63M3.5M
Average Shares used to compute Diluted EPS8.65M6.11M6.08M6M5.94M5.91M5.86M5.84M5.84M5.83M
Average Shares used to compute Basic EPS8.65M6.11M6.08M6M5.94M5.91M5.86M5.84M5.84M5.83M
Income Before Nonrecurring Items5.37M4.74M4.2M3.09M2.47M--1.23M3.63M3.5M
Income from Nonrecurring Items-1.42M---------
Stewardship Financial Earnings Per Share Basic Net
0.500.780.620.400.310.030.020.120.540.60
Stewardship Financial Earnings Per Share Diluted Net
0.500.780.620.400.310.030.020.120.540.60
EPS Diluted Before Nonrecurring Items0.680.780.620.400.310.030.020.120.540.60
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.120.110.080.050.040.150.200.280.370.34
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing Stewardship Financial stock analysis are:

  • 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 $35.53M for 2017 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 $3.94M for Stewardship Financial for 2017. 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 SSFN financials along with Stewardship Financial historical stock prices provide a lot of details about the firm.

Stewardship Financial Income Statement - Key Financial Ratios

PE Ratio (price earnings ratio)
18.6
PS Ratio (price sales ratio)
2.51
Operating Margin
33.5
Net Profit Margin
19.5
Dividend Yield
1.13%