STEWARDSHIP FINANCIAL CORP
Financials · State Commercial Banks · NJ · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | $2.6M | $2.5M | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $1.8M | $991,000 | $991,000 | $917,000 | $506,000 | $822,000 |
| Total assets | $955.6M | $928.8M | $795.5M | $717.9M | $693.6M | $673.5M |
| Total liabilities | $875.5M | $855.1M | $744.1M | $670.3M | $634.6M | $619.7M |
| Equity | $80.2M | $73.7M | $51.4M | $47.6M | $59.0M | $53.8M |
| EPS (diluted) | — | — | $0.78 | $0.62 | $0.40 | $0.31 |
| Shares out. | 8.7M | 6.1M | 6.1M | 6.0M | 6.0M | 5.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- 69.2%
- Return on equity
- 2.3%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.6%
- Debt / equity
- 10.92×
- Book value / share
- $9.24
- Revenue growth (YoY)
- 5.4%
- Net income growth (YoY)
- 82.4%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2018- Accruals / assets
- −0.6%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsNov 1, 2019
- Other material eventOct 24, 2019
- Shareholder vote · Other material eventOct 3, 2019
- Other material eventAug 20, 2019
- Results of operationsJul 31, 2019
- Other material eventJul 19, 2019
- Other material eventJun 18, 2019
- Other material eventJun 7, 2019
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12BNov 13, 2019
- S-8 POSNov 1, 2019
- S-8 POSNov 1, 2019
- S-8 POSNov 1, 2019
- S-8 POSNov 1, 2019
- S-8 POSFORM S-8 POSNov 1, 2019
- 8-KFORM 8-KNov 1, 2019
- 25-NSEOct 31, 2019
- 8-KFORM 8-KOct 24, 2019
- 8-KFORM 8-KOct 3, 2019
- 4FORM 4Sep 12, 2019
- 4FORM 4Sep 11, 2019
- 4FORM 4Sep 6, 2019
- 8-KAug 20, 2019
- DEFM14AAug 19, 2019