1023860--4/2/2007--STEWARDSHIP_FINANCIAL_CORP

related topics
{stock, price, share}
{condition, economic, financial}
{loan, real, estate}
{system, service, information}
{loss, insurance, financial}
{competitive, industry, competition}
{cost, regulation, environmental}
Our operations are subject to interest rate risk and changes in interest rates may negatively affect financial performance. Our allowance for loan losses may be insufficient. Our profitability depends significantly on economic conditions. Our geographic concentration in northern New Jersey could make us vulnerable to changes in local economic conditions. Competition within the financial services industry could adversely affect our profitability. Federal and State Regulations could restrict our business and non-compliance would result in penalties, litigation and damage to our reputation A breach of information security or compliance breach by one of our vendors could negatively affect our reputation and business. The trading volume of our stock remains low which could impact stock prices. We may not be able to pay dividends in the future in accordance with past practice.

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