SSFN / Stewardship Financial Corp. - SEC-arkivering, Årsberetning, Fuldmagtserklæring

Stewardship Financial Corp.
US ˙ NASDAQ ˙ US8603261079
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CIK 1023860
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Stewardship Financial Corp.
SEC Filings (Chronological Order)
Denne side giver en komplet, kronologisk liste over SEC-arkiveringer, eksklusive ejerskabsregistreringer, som vi leverer andre steder.
November 13, 2019 15-12B

SSFN / Stewardship Financial Corp. 15-12B - - 15-12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 Certification and Notice of Termination of Registration under Section 12(g) of the Securities Exchange Act of 1934 or Suspension of Duty to File Reports under Sections 13 and 15(d) of the Securities Exchange Act of 1934 Commission File No. 001-33377 Stewardship Financial Corporation (Exact name of registrant as specifi

November 1, 2019 S-8 POS

SSFN / Stewardship Financial Corp. S-8 POS - - S-8 POS

As filed with the Securities and Exchange Commission on November 1, 2019. Registration No. 333-20793 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) New Jersey 22-3351447 (State or other j

November 1, 2019 S-8 POS

SSFN / Stewardship Financial Corp. S-8 POS - - S-8 POS

As filed with the Securities and Exchange Commission on November 1, 2019. Registration No. 333-87842 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) New Jersey 22-3351447 (State or other j

November 1, 2019 S-8 POS

SSFN / Stewardship Financial Corp. S-8 POS - - S-8 POS

As filed with the Securities and Exchange Commission on November 1, 2019. Registration No. 333-167373 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) New Jersey 22-3351447 (State or other

November 1, 2019 S-8 POS

SSFN / Stewardship Financial Corp. S-8 POS - - S-8 POS

As filed with the Securities and Exchange Commission on November 1, 2019. Registration No. 333-31245 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) New Jersey 22-3351447 (State or other j

November 1, 2019 S-8 POS

SSFN / Stewardship Financial Corp. S-8 POS - - FORM S-8 POS

As filed with the Securities and Exchange Commission on November 1, 2019. Registration No. 333-135462 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) New Jersey 22-3351447 (State or other

November 1, 2019 8-K

Changes in Control of Registrant, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 1, 2019 STEWARDSHIP FINANCIAL CORPORATION (Exact Name of Registrant as Specified in Its Charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (IRS Employer incorporation or organization) File Number) Identification No.

October 24, 2019 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION AND COLUMBIA FINANCIAL, INC. RECEIVE REGULATORY APPROVALS FOR MERGER

Exhibit 99.1 For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION AND COLUMBIA FINANCIAL, INC. RECEIVE REGULATORY APPROVALS FOR MERGER Midland Park, NJ – October 21, 2019 - Stewardship Financial Corporation (Nasdaq:SSFN) (the “Company”), parent

October 24, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): OCTOBER 21, 2019 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission Fil

October 3, 2019 8-K

Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): OCTOBER 3, 2019 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File

October 3, 2019 EX-99.1

Stewardship Financial Corporation Shareholders Approve Merger

Exhibit 99.1 For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 PRESS RELEASE Stewardship Financial Corporation Shareholders Approve Merger Midland Park, NJ – October 3, 2019 - Stewardship Financial Corporation (Nasdaq:SSFN), parent company of Atlantic Stewardship Bank, today announced that

August 20, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 19, 2019 STEWARDSHIP FINANCIAL CORPORATION (Exact Name of Registrant as Specified in Its Charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (IRS Employer incorporation or organization) File Number) Identification No.

August 20, 2019 EX-99.3

August 2019 Dear Valued Customer, On June 7, 2019, we announced the signing of a definitive merger agreement between Columbia Financial, Inc. / Columbia Bank and Stewardship Financial Corporation / Atlantic Stewardship Bank. Among other things, vario

a10mergerlettertoasbcust August 2019 Dear Valued Customer, On June 7, 2019, we announced the signing of a definitive merger agreement between Columbia Financial, Inc.

August 19, 2019 DEFM14A

SSFN / Stewardship Financial Corp. DEFM14A - - DEFM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) x Defin

August 8, 2019 10-Q

SSFN / Stewardship Financial Corp. 10-Q - Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corporation (

July 31, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): JULY 30, 2019 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File N

July 31, 2019 EX-99.1

Stewardship Financial Corporation Reports Results for the Second Quarter of 2019

For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 PRESS RELEASE Stewardship Financial Corporation Reports Results for the Second Quarter of 2019 Midland Park, NJ - July 30, 2019 - Stewardship Financial Corporation (Nasdaq:SSFN), parent company of Atlantic Stewardship Bank, today reported r

July 24, 2019 SC 13G

SSFN / Stewardship Financial Corp. / Brown Trout Management, LLC - FORM SC 13G Passive Investment

Chicago Capital Management, LLC - Schedule 13G - Filed by newsfilecorp.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* STEWARDSHIP FINANCIAL CORPORATION (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 860326107 (CUSIP Number) July 22, 2019 (Date of Event which Requires Fi

July 19, 2019 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201.444.7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - July 18, 2019 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.03 per share cash dividend. Common stockholders of

July 19, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): JULY 18, 2019 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File N

July 8, 2019 PREM14A

SSFN / Stewardship Financial Corp. PREM14A - - PREM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: x Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) o Defin

June 18, 2019 EX-99.2

Stewardship Financial Corporation to Merge with Columbia Financial Frequently Asked Questions THIS DOCUMENT IS FOR INTERNAL USE ONLY

Exhibit 99.2 Stewardship Financial Corporation to Merge with Columbia Financial Frequently Asked Questions THIS DOCUMENT IS FOR INTERNAL USE ONLY General Questions Q – Why is Stewardship Financial Corporation merging with Columbia Financial? A – We believe that this is the right thing to do for our shareholders, customers and other constituencies. The current interest rate environment, the current

June 18, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 18, 2019 STEWARDSHIP FINANCIAL CORPORATION (Exact Name of Registrant as Specified in Its Charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (IRS Employer incorporation or organization) File Number) Identification No.

June 7, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 7, 2019 STEWARDSHIP FINANCIAL CORPORATION (Exact Name of Registrant as Specified in Its Charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (IRS Employer incorporation or organization) File Number) Identification No.

June 7, 2019 EX-99.1

interoffice memorandum

Exhibit 99.1 interoffice memorandum to: All ASB Officers from: Paul Van Ostenbridge, President and CEO subject: New Chapter for Stewardship Financial corporation date: June 7th Dear Fellow Officers, Following thirty four years of providing outstanding service, a large array of financial solutions and a shared mission of giving back to our community, customers and shareholders, a business decision

June 7, 2019 EX-2.1

Agreement and Plan of Merger, dated as of June 6, 2019, by and among Stewardship Financial Corporation, Columbia Financial, Inc. and Broadway Acquisition Corp.*

Exhibit 2.1 AGREEMENT and plan of merger BY AND AMONG COLUMBIA FINANCIAL, INC. BROADWAY ACQUISITION corp. AND STEWARDSHIP FINANCIAL CORPoration DATED AS OF JUNE 6, 2019 TABLE OF CONTENTS Page ARTICLE 1 DEFINITIONS 1 1.1 Definitions 1 ARTICLE 2 MERGER 10 2.1 The Integrated Mergers 10 2.2 Effects of the Integrated Mergers 10 2.3 Effects of First-Step Merger on Merger Sub Capital Stock 10 2.4 Convers

June 7, 2019 EX-99.1

Columbia Financial, Inc. to Acquire Stewardship Financial Corporation

Exhibit 99.1 FOR IMMEDIATE RELEASE Columbia Financial, Inc. to Acquire Stewardship Financial Corporation FAIR LAWN, N.J., June 7, 2019 /PRNewswire/ - Columbia Financial, Inc. (NASDAQ: CLBK) (“Columbia”), the holding company for Columbia Bank, and Stewardship Financial Corporation (NASDAQ: SSFN) (“Stewardship”), the holding company for Atlantic Stewardship Bank, announced today the signing of a def

June 7, 2019 EX-10.1

Form of Voting Agreement by and between Columbia Financial, Inc., Stewardship Financial Corporation and directors of Stewardship Financial Corporation

Exhibit 10.1 VOTING AGREEMENT This VOTING AGREEMENT, dated as of June 6, 2019 (this “Agreement”), is by and between Columbia Financial, Inc., a Delaware corporation (“Parent”), and the undersigned shareholder (the “Shareholder”) of Stewardship Financial Corporation, a New Jersey corporation (the “Company”) and the Company. Capitalized terms used herein and not defined shall have the meanings speci

June 7, 2019 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 6, 2019 STEWARDSHIP FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of incorporation or organization) (Commission File Number) (IRS Employer Identification No.

May 14, 2019 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): MAY 13, 2019 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File Nu

May 10, 2019 EX-3.1

STEWARDSHIP FINANCIAL CORPORATION AMENDED AND RESTATED BY-LAWS (Adopted by Resolution of the Board of Directors as of March 27, 2012 and further amended by resolution adopted as of May 9, 2019) ARTICLE I LAW, CERTIFICATE OF INCORPORATION AND BY-LAWS

STEWARDSHIP FINANCIAL CORPORATION AMENDED AND RESTATED BY-LAWS (Adopted by Resolution of the Board of Directors as of March 27, 2012 and further amended by resolution adopted as of May 9, 2019) ARTICLE I LAW, CERTIFICATE OF INCORPORATION AND BY-LAWS SECTION 1.

May 10, 2019 10-Q

SSFN / Stewardship Financial Corp. 10-Q Quarterly Report 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corporation

May 1, 2019 EX-99.1

Stewardship Financial Corporation Announces Earnings for the First Quarter of 2019

For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 PRESS RELEASE Stewardship Financial Corporation Announces Earnings for the First Quarter of 2019 Midland Park, NJ - April 30, 2019 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, announced net

May 1, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): APRIL 30, 2019 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File

April 18, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): APRIL 17, 2019 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File

April 18, 2019 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

EX-99.1 2 exhibit991ssfn04172019.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201.444.7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - April 17, 2019 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

April 3, 2019 DEF 14A

SSFN / Stewardship Financial Corp. DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

March 15, 2019 EX-10.6

CHANGE IN CONTROL SEVERANCE AGREEMENT

Exhibit 10.6 CHANGE IN CONTROL SEVERANCE AGREEMENT THIS AGREEMENT, dated as of November 12, 2013, is by and between Atlantic Stewardship Bank (“the Bank”) and Stewardship Financial Corporation (“the Corporation”), a New Jersey corporation (the Bank and the Corporation being referred to collectively as “the Company”), and Paul Van Ostenbridge (the “Executive”). RECITALS: 1. The Executive is an empl

March 15, 2019 EX-13

2018 ANNUAL REPORT MISSION: MESSAGE TO SHAREHOLDERS: Our subsidiary, Atlantic From the beginning, we have been unique among American banks, In 2018, we combined our tenet of giving back and our core values Stewardship Bank, is a founded on the Old Te

a8274sfcasbannual2018cov 2018 ANNUAL REPORT MISSION: MESSAGE TO SHAREHOLDERS: Our subsidiary, Atlantic From the beginning, we have been unique among American banks, In 2018, we combined our tenet of giving back and our core values Stewardship Bank, is a founded on the Old Testament concept of stewardship.

March 15, 2019 EX-10.8

CHANGE IN CONTROL SEVERANCE AGREEMENT

Exhibit 10.8 CHANGE IN CONTROL SEVERANCE AGREEMENT THIS AGREEMENT, dated as of March 21, 2017, is by and between Atlantic Stewardship Bank (“the Bank”) and Stewardship Financial Corporation (“the Corporation”), a New Jersey corporation (the Bank and the Corporation being referred to collectively as “the Company”), and William S. Clement (the “Executive”). RECITALS: 1. The Executive is an employee

March 15, 2019 EX-10.10

CHANGE IN CONTROL SEVERANCE AGREEMENT

Exhibit 10.10 CHANGE IN CONTROL SEVERANCE AGREEMENT THIS AGREEMENT, dated as of March 21, 2017, is by and between Atlantic Stewardship Bank (“the Bank”) and Stewardship Financial Corporation (“the Corporation”), a New Jersey corporation (the Bank and the Corporation being referred to collectively as “the Company”), and James Shields (the “Executive”). RECITALS: 1. The Executive is an employee of t

March 15, 2019 10-K

SSFN / Stewardship Financial Corp. 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corpor

March 15, 2019 EX-10.7

CHANGE IN CONTROL SEVERANCE AGREEMENT

Exhibit 10.7 CHANGE IN CONTROL SEVERANCE AGREEMENT THIS AGREEMENT, dated as of November 12, 2013, is by and between Atlantic Stewardship Bank (“the Bank”) and Stewardship Financial Corporation (“the Corporation”), a New Jersey corporation (the Bank and the Corporation being referred to collectively as “the Company”), and Claire M. Chadwick (the “Executive”). RECITALS: 1. The Executive is an employ

March 15, 2019 EX-10.9

CHANGE IN CONTROL SEVERANCE AGREEMENT

Exhibit 10.9 CHANGE IN CONTROL SEVERANCE AGREEMENT THIS AGREEMENT, dated as of March 21, 2017, is by and between Atlantic Stewardship Bank (“the Bank”) and Stewardship Financial Corporation (“the Corporation”), a New Jersey corporation (the Bank and the Corporation being referred to collectively as “the Company”), and Julie Holland (the “Executive”). RECITALS: 1. The Executive is an employee of th

March 15, 2019 EX-21

Stewardship Financial Corporation SUBSIDIARIES OF THE REGISTRANT

Exhibit 21 Stewardship Financial Corporation SUBSIDIARIES OF THE REGISTRANT Parent Subsidiary Percentage of Ownership State of Incorporation or Organization Stewardship Financial Corporation Atlantic Stewardship Bank 100% New Jersey Stewardship Financial Corporation Stewardship Statutory Trust I 100% Delaware Atlantic Stewardship Bank Stewardship Investment Corporation 100% New Jersey Atlantic Stewardship Bank Stewardship Realty, LLC 100% New Jersey Atlantic Stewardship Bank Atlantic Stewardship Insurance Co.

March 15, 2019 EX-10.11

CHANGE IN CONTROL SEVERANCE AGREEMENT

Exhibit 10.11 CHANGE IN CONTROL SEVERANCE AGREEMENT THIS AGREEMENT, dated as of March 21, 2017, is by and between Atlantic Stewardship Bank (“the Bank”) and Stewardship Financial Corporation (“the Corporation”), a New Jersey corporation (the Bank and the Corporation being referred to collectively as “the Company”), and Gail Tilstra (the “Executive”). RECITALS: 1. The Executive is an employee of th

March 15, 2019 EX-10.13

Atlantic Stewardship Bank SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT

Exhibit 10.13 Atlantic Stewardship Bank SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT THIS SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT (“Agreement”) is made and entered into this day of January 1, 2018, by and between Atlantic Stewardship Bank (“Bank”), a state-chartered commercial bank located in Midland Park, NJ and Claire Chadwick (“Executive”). Article 1 Benefits Tables The following tables desc

March 15, 2019 EX-10.14

Atlantic Stewardship Bank SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT

Exhibit 10.14 Atlantic Stewardship Bank SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT THIS SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT (“Agreement”) is made and entered into this day of January 1, 2018, by and between Atlantic Stewardship Bank (“Bank”), a state-chartered commercial bank located in Midland Park, NJ and William Clement (“Executive”). Article 1 Benefits Tables The following tables desc

March 4, 2019 SC 13G

SSFN / Stewardship Financial Corp. / JACOBS ASSET MANAGEMENT, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 22, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): FEBRUARY 21, 2019 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission Fi

February 22, 2019 EX-99.1

Stewardship Financial Corporation Announces Fourth Quarter and Year End 2018 Results

EX-99.1 2 exhibit991ssfn02212019.htm EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 PRESS RELEASE Stewardship Financial Corporation Announces Fourth Quarter and Year End 2018 Results Midland Park, NJ - February 21, 2019 - Stewardship Financial Corporation (NASDAQ:SSFN), par

February 11, 2019 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 The identity and the Item 3 classification of the relevant subsidiary are: Basswood Capital Management, L.L.C., which is an Investment Adviser in accordance with Rule 13d-1(b)(1)(ii)(E).

February 11, 2019 SC 13G/A

SSFN / Stewardship Financial Corp. / BASSWOOD CAPITAL MANAGEMENT, L.L.C. - SCHEDULE 13G/A (AMENDMENT #1) Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 1)* Stewardship Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 860326107 (CUSIP Number) December 31, 2018 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the r

November 8, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): NOVEMBER 8, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission Fil

November 8, 2018 EX-99.1

Stewardship Financial Corporation Announces Earnings For The Third Quarter of 2018

For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 PRESS RELEASE Stewardship Financial Corporation Announces Earnings For The Third Quarter of 2018 Midland Park, NJ - November 8, 2018 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, today annou

November 8, 2018 10-Q

SSFN / Stewardship Financial Corp. 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2018 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corporat

October 18, 2018 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201.444.7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - October 17, 2018 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.03 per share cash dividend. Common stockholders

October 18, 2018 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): OCTOBER 17, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission Fil

August 10, 2018 EX-99.1

Stewardship Financial Corporation Announces Earnings For The Second Quarter of 2018

For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 PRESS RELEASE Stewardship Financial Corporation Announces Earnings For The Second Quarter of 2018 Midland Park, NJ - August 9, 2018 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, announced ne

August 10, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): AUGUST 9, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File

August 9, 2018 10-Q

SSFN / Stewardship Financial Corp. 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2018 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corporation (

July 19, 2018 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

EX-99.1 2 exhibit991ssfn07182018.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201.444.7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - July 18, 2018 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.0

July 19, 2018 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): JULY 18, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File N

May 15, 2018 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): May 14, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File Nu

May 11, 2018 10-Q

SSFN / Stewardship Financial Corp. 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2018 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corporation

May 11, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): May 10, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File Nu

May 11, 2018 EX-99.1

Stewardship Financial Corporation Announces Earnings For The First Quarter of 2018

For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 PRESS RELEASE Stewardship Financial Corporation Announces Earnings For The First Quarter of 2018 Midland Park, NJ - May 10, 2018 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, announced net i

April 19, 2018 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): APRIL 18, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File

April 19, 2018 EX-99.2

Stewardship Financial Corporation and Atlantic Stewardship Bank Announce the Election of Michael A. Westra as Chairman of the Board of Directors

Exhibit 99.2 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201.444.7100 PRESS RELEASE Stewardship Financial Corporation and Atlantic Stewardship Bank Announce the Election of Michael A. Westra as Chairman of the Board of Directors Midland Park, NJ - April 18, 2018 - Stewardship Financial Corporation (Nasdaq: SSFN), and its subsidiary Atlantic Stewardsh

April 19, 2018 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201.444.7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - April 18, 2018 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.03 per share cash dividend. Common stockholders of

April 16, 2018 8-K/A

Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): March 27, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission Fil

April 2, 2018 DEF 14A

SSFN / Stewardship Financial Corp. DEF 14A

DEF 14A 1 ssfn20180402proxy.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Com

April 2, 2018 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): March 27, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File

April 2, 2018 EX-16.1

Exhibit 16.1

Exhibit 16.1

March 23, 2018 EX-10.12

Atlantic Stewardship Bank SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT

Exhibit 10.12 Atlantic Stewardship Bank SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT THIS SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT (“Agreement”) is made and entered into this day of April 1, 2017, by and between Atlantic Stewardship Bank (“Bank”), a state-chartered commercial bank located in Midland Park, NJ and Paul Van Ostenbridge (“Executive”). Article 1 Benefits Tables The following tables d

March 23, 2018 10-K

SSFN / Stewardship Financial Corp. 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2017 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corpor

March 23, 2018 EX-13

2017 ANNUAL REPORT Faithful to our customers, community and shareholders “ We make a living by what we get, but we make a life by what we give.” – Winston Churchill MESSAGE TO SHAREHOLDERS The financial industry as a whole was impacted by the enactme

a8125sfcasbannual2017com 2017 ANNUAL REPORT Faithful to our customers, community and shareholders “ We make a living by what we get, but we make a life by what we give.

March 23, 2018 EX-21

Stewardship Financial Corporation SUBSIDIARIES OF THE REGISTRANT

Exhibit 21 Stewardship Financial Corporation SUBSIDIARIES OF THE REGISTRANT Parent Subsidiary Percentage of Ownership State of Incorporation or Organization Stewardship Financial Corporation Atlantic Stewardship Bank 100% New Jersey Stewardship Financial Corporation Stewardship Statutory Trust I 100% Delaware Atlantic Stewardship Bank Stewardship Investment Corporation 100% New Jersey Atlantic Stewardship Bank Stewardship Realty, LLC 100% New Jersey Atlantic Stewardship Bank Atlantic Stewardship Insurance Co.

February 23, 2018 EX-99.1

Stewardship Financial Corporation Reports Fourth Quarter and Year End 2017 Earnings

Exhibit For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 Stewardship Financial Corporation Reports Fourth Quarter and Year End 2017 Earnings Midland Park, NJ - February 22, 2018 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, reported result

February 23, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): February 22, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Comm

February 9, 2018 EX-99.2

AGREEMENT OF REPORTING PERSONS

EXHIBIT 99.2 AGREEMENT OF REPORTING PERSONS The undersigned acknowledge and agree that the foregoing statement on Schedule 13G is filed on behalf of each of the undersigned and that all subsequent amendments to this statement on Schedule 13G shall be filed on behalf of each of the undersigned without the necessity of filing additional joint filing agreements. The undersigned acknowledge that each

February 9, 2018 EX-99.1

EXHIBIT 99.1

EX-99.1 2 s23603810b.htm IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY EXHIBIT 99.1 The identity and the Item 3 classification of the relevant subsidiary are: Basswood Capital Management, L.L.C., which is an Investment Adviser in accordance with Rule 13d-1(b)(1)(ii)(E).

February 9, 2018 SC 13G

SSFN / Stewardship Financial Corp. / BASSWOOD CAPITAL MANAGEMENT, L.L.C. - SCHEDULE 13G Passive Investment

SC 13G 1 s23603810a.htm SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Stewardship Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 860326107 (CUSIP Number) December 31, 2017 (Date of Event which Requires Filing of this Statement) Check the

January 18, 2018 8-K

Financial Statements and Exhibits, Other Events

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): JANUARY 17, 2018 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commi

January 18, 2018 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Exhibit Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201.444.7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - January 17, 2018 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.03 per share cash dividend. Common stock

December 18, 2017 144

SSFN / Stewardship Financial Corp. 144

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker 1 (a) NAME OF ISSUER (Please type or print)

November 13, 2017 10-Q

SSFN / Stewardship Financial Corp. 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2017 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corporat

November 8, 2017 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): November 7, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commi

November 8, 2017 EX-99.1

Stewardship Financial Corporation Reports Third Quarter of 2017 Earnings

Exhibit For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 Stewardship Financial Corporation Reports Third Quarter of 2017 Earnings Midland Park, NJ - November 7, 2017 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, announced improved results

October 19, 2017 8-K

Financial Statements and Exhibits, Other Events

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): October 18, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commi

October 19, 2017 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

EX-99.1 2 exhibit991ssfn10182017.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201.444.7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - October 18, 2017 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $

August 24, 2017 EX-24

EX-24

Power of Attorney Know all by these presents, that the undersigned (the "Reporting Person") hereby constitutes and appoints Mary Beth Steiginga as the Reporting Person's true and lawful attorney-in-fact to: (1) execute for and on behalf of the Reporting Person, in the Reporting Person's capacity as an officer or trustee of Stewardship Financial Corporation (the "Company"), Forms 3, 4 and 5 in acco

August 18, 2017 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

8-K 1 a8-kssfn08182017newdirecto.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): August 15, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction o

August 11, 2017 10-Q

SSFN / Stewardship Financial Corp. 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2017 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corporation (

August 9, 2017 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): August 8, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commiss

August 9, 2017 EX-99.1

Stewardship Financial Corporation Announces Earnings For The Second Quarter of 2017

Exhibit For Immediate Release Contact: Claire M. Chadwick Executive Vice President and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201.444.7100 Stewardship Financial Corporation Announces Earnings For The Second Quarter of 2017 Midland Park, NJ - August 8, 2017 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, announced net inco

July 20, 2017 8-K

Financial Statements and Exhibits, Other Events

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): July 19, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commissi

July 20, 2017 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Exhibit Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 (201) 444-7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - July 19, 2017 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.03 per share cash dividend. Common stockh

June 30, 2017 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): June 30, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commissi

May 18, 2017 EX-3.1

AMENDED AND RESTATED CERTIFICATE OF INCORPORATION STEWARDSHIP FINANCIAL CORPORATION

Exhibit EXHIBIT 3.1 AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF STEWARDSHIP FINANCIAL CORPORATION Stewardship Financial Corporation, a corporation organized and existing under the laws of the State of New Jersey, hereby amends, restates and integrates its Certificate of Incorporation pursuant to the provisions of Section 14A:9-5 of the New Jersey Business Corporation Act to read in full a

May 18, 2017 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): May 15, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commissio

May 12, 2017 10-Q

Stewardship Financial 10-Q (Quarterly Report)

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2017 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Cor

May 11, 2017 EX-99.1

Stewardship Financial Corporation Announces Earnings For The First Quarter of 2017

Exhibit For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: (201) 444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Earnings For The First Quarter of 2017 Midland Park, NJ - May 10, 2017 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, announced net income for t

May 11, 2017 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 a8-kearningsreleasessfn510.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): May 10, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of i

April 19, 2017 8-K

Financial Statements and Exhibits, Other Events

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): April 19, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commiss

April 19, 2017 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

EX-99.1 2 exhibit991ssfn04192017.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 (201) 444-7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ - April 19, 2017 - The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $

April 17, 2017 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): April 17, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commission File

April 17, 2017 EX-99.1

Stewardship Financial Corporation Announces Closing of Up-Sized Common Stock Follow-On Offering, Including Full Exercise of the Underwriter’s Option

Exhibit Exhibit 99.1 For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: (201) 444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Closing of Up-Sized Common Stock Follow-On Offering, Including Full Exercise of the Underwriter?s Option Midland Park, NJ - April 17, 2017 - Stewardship Financial Corporation (NASD

April 11, 2017 424B4

2,181,818 Shares of Common Stock

Document Filed Pursuant to Rule 424(b)4 Registration Nos. 333-216878 and 333-217237 PROSPECTUS 2,181,818 Shares of Common Stock We are offering 2,181,818 shares of our common stock at a public offering price of $8.25 per share. Our common stock is currently listed on the Nasdaq Capital Market under the symbol ?SSFN?. On April 10, 2017, the last reported sale price of our common stock on the Nasdaq

April 11, 2017 EX-99.1

Stewardship Financial Corporation Announces Pricing of Upsized Follow-On Public Offering of Common Stock

Exhibit Exhibit 99.1 For immediate release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201-444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Pricing of Upsized Follow-On Public Offering of Common Stock Midland Park, NJ - April 11, 2017 - Stewardship Financial Corporation (NASDAQ: SSFN) (the ?Corporation?), the parent comp

April 11, 2017 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): April 10, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in Charter) New Jersey (State or other jurisdiction of incorporation) 1-33377 (Commiss

April 11, 2017 EX-1.1

STEWARDSHIP FINANCIAL CORPORATION 2,181,818 Shares Common Stock, no par value per share UNDERWRITING AGREEMENT

Exhibit Exhibit 1.1 EXECUTION VERSION STEWARDSHIP FINANCIAL CORPORATION 2,181,818 Shares Common Stock, no par value per share UNDERWRITING AGREEMENT April 10, 2017 Sandler O?Neill & Partners, L.P., 1251 Avenue of the Americas, 6 th Floor New York, New York 10020 Ladies and Gentlemen: Stewardship Financial Corporation, a New Jersey corporation (the ?Company? ), proposes, subject to the terms and co

April 10, 2017 S-1MEF

Stewardship Financial S-1MEF

Document As filed with the Securities and Exchange Commission on April 10, 2017. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) New Jersey (State or Other Jurisdiction of Incorporation or Organizatio

April 10, 2017 EX-23.0

Consent of Independent Registered Public Accounting Firm

Exhibit Exhibit 23.0 Consent of Independent Registered Public Accounting Firm The Board of Directors Stewardship Financial Corporation We consent to the use of our report dated March 22, 2017 with respect to the consolidated statements of financial condition of Stewardship Financial Corporation and Subsidiary (the Corporation) as of December 31, 2016 and 2015, and the related consolidated statemen

April 7, 2017 CORRESP

Stewardship Financial ESP

Document SANDLER O?NEILL & PARTNERS, L.P. 1251 Avenue of the Americas, 6th Floor New York, New York 10020 April 7, 2017 Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Stewardship Financial Corporation Request for Acceleration of Effectiveness of Registration Statement on Form S-1 (File No. 333-216878) Ladies and Gentlemen: Pursuant

April 7, 2017 CORRESP

Stewardship Financial ESP

Document STEWARDSHIP FINANCIAL CORPORATION April 7, 2017 VIA EDGAR TRANSMISSION U.

April 5, 2017 EX-1.1

STEWARDSHIP FINANCIAL CORPORATION [•] Shares Common Stock, no par value per share UNDERWRITING AGREEMENT

Exhibit Exhibit 1.1 STEWARDSHIP FINANCIAL CORPORATION [?] Shares Common Stock, no par value per share UNDERWRITING AGREEMENT April [?], 2017 Sandler O?Neill & Partners, L.P., 1251 Avenue of the Americas, 6 th Floor New York, New York 10020 Ladies and Gentlemen: Stewardship Financial Corporation, a New Jersey corporation (the ?Company? ), proposes, subject to the terms and conditions stated herein,

April 5, 2017 EX-23.0

Consent of Independent Registered Public Accounting Firm

Exhibit EXHIBIT 23.0 Consent of Independent Registered Public Accounting Firm The Board of Directors Stewardship Financial Corporation We consent to the use of our report dated March 22, 2017 with respect to the consolidated statements of financial condition of Stewardship Financial Corporation and Subsidiary (the Corporation) as of December 31, 2016 and 2015, and the related consolidated statemen

April 5, 2017 S-1/A

Stewardship Financial S-1/A

Document As filed with the Securities and Exchange Commission on April 5, 2017. Registration No. 333-216878 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 2 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) New Jersey (State or Other Jurisdiction of Inco

April 4, 2017 EX-99.1

Stewardship Financial Corporation Announces Commencement of Common Stock Offering

Exhibit For immediate release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201-444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Commencement of Common Stock Offering Midland Park, NJ - April 4, 2017 - Stewardship Financial Corporation (NASDAQ: SSFN) (the ?Corporation?), parent company of Atlantic Stewardship Bank serving

April 4, 2017 8-K/A

Financial Statements and Exhibits, Other Events

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 4, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commiss

April 4, 2017 FWP

NASDAQ: SSFN Common Stock Offering April 2017 Issuer Free Writing Prospectus Dated April 3, 2017 Filed Pursuant to Rule 433 Registration Statement No. 333-216878 2 Safe Harbor This presentation has been prepared by Stewardship Financial Corporation (

investorpresentation NASDAQ: SSFN Common Stock Offering April 2017 Issuer Free Writing Prospectus Dated April 3, 2017 Filed Pursuant to Rule 433 Registration Statement No.

April 4, 2017 EX-99.1

Stewardship Financial Corporation Announces Commencement of Common Stock Offering

Exhibit For immediate release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201-444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Commencement of Common Stock Offering Midland Park, NJ - April 4, 2017 - Stewardship Financial Corporation (NASDAQ: SSFN) (the ?Corporation?), parent company of Atlantic Stewardship Bank serving

April 4, 2017 8-K

Financial Statements and Exhibits, Other Events

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 4, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commissio

April 4, 2017 S-1/A

Stewardship Financial S-1/A

Document As filed with the Securities and Exchange Commission on April 4, 2017. Registration No. 333-216878 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) New Jersey (State or Other Jurisdiction of Inco

April 4, 2017 EX-23.0

Consent of Independent Registered Public Accounting Firm

Exhibit EXHIBIT 23.0 Consent of Independent Registered Public Accounting Firm The Board of Directors Stewardship Financial Corporation We consent to the use of our report dated March 22, 2017 with respect to the consolidated statements of financial condition of Stewardship Financial Corporation and Subsidiary (the Corporation) as of December 31, 2016 and 2015, and the related consolidated statemen

April 3, 2017 DEF 14A

Stewardship Financial DEF 14A

DEF 14A 1 proxy4032017.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commissi

March 22, 2017 PRE 14A

Stewardship Financial PRE 14A

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: x Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by R

March 22, 2017 S-1

Stewardship Financial S-1

Document As filed with the Securities and Exchange Commission on March 22, 2017. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) New Jersey (State or Other Jurisdiction of Incorporation or Organizatio

March 22, 2017 EX-23.0

Consent of Independent Registered Public Accounting Firm

Exhibit EXHIBIT 23.0 Consent of Independent Registered Public Accounting Firm The Board of Directors Stewardship Financial Corporation We consent to the use of our report dated March 22, 2017 with respect to the consolidated statements of financial condition of Stewardship Financial Corporation and Subsidiary (the Corporation) as of December 31, 2016 and 2015, and the related consolidated statemen

March 22, 2017 10-K

Stewardship Financial 10-K (Annual Report)

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2016 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financi

February 24, 2017 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

Document SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 21, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Emp

February 24, 2017 EX-99.1

Stewardship Financial Corporation Reports Earnings for Fourth Quarter and Year Ended December 31, 2016

Exhibit For immediate release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: 201-444-7100 PRESS RELEASE Stewardship Financial Corporation Reports Earnings for Fourth Quarter and Year Ended December 31, 2016 Midland Park, NJ - February 23, 2017 - Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, tod

February 24, 2017 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 23, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inc

January 20, 2017 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Exhibit For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 (201) 444-7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ ?January 19, 2017 ? The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

January 20, 2017 8-K

Financial Statements and Exhibits, Other Events

Document SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 19, 2017 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Empl

November 10, 2016 10-Q

Stewardship Financial 10-Q (Quarterly Report)

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2016 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial

November 10, 2016 EX-99.1

Stewardship Financial Corporation Reports Earnings for Third Quarter of 2016

EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: (201) 444-7100 PRESS RELEASE Stewardship Financial Corporation Reports Earnings for Third Quarter of 2016 Midland Park, NJ ? November 9, 2016 ? Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, reported net income ava

November 10, 2016 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 9, 2016 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

October 20, 2016 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 (201) 444-7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ ? October 19, 2016 ? The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

October 20, 2016 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k-16679ssfn.htm 8-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 19, 2016 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of

August 9, 2016 10-Q

Stewardship Financial 10-Q (Quarterly Report)

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2016 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corp

July 21, 2016 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 (201) 444-7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ ? July 20, 2016 ? The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

July 21, 2016 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 20, 2016 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorpo

May 17, 2016 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 16, 2016 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (IRS Emp

May 16, 2016 10-Q

Stewardship Financial 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2016 o TRANSITION REPORT PURSUANT TO 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corporation

May 11, 2016 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 10, 2016 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorpor

May 11, 2016 EX-99.1

Stewardship Financial Corporation Announces Improved Earnings For First Quarter of 2016

EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: (201) 444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Improved Earnings For First Quarter of 2016 Midland Park, NJ ? May 10, 2016 ? Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, announced net in

April 21, 2016 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

EX-99.1 2 ex99-1.htm EX-99.1 For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 (201) 444-7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – April 20, 2016 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.03 per share cash dividend. Comm

April 21, 2016 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 20, 2016 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorp

April 1, 2016 DEF 14A

Stewardship Financial DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confide

March 24, 2016 10-K

Stewardship Financial 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2015 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corpor

February 25, 2016 EX-99.1

Stewardship Financial Corporation Announces Earnings for Fourth Quarter and Year Ended December 31, 2015

EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 P: (201) 444-7100 Stewardship Financial Corporation Announces Earnings for Fourth Quarter and Year Ended December 31, 2015 Midland Park, NJ ? February 24, 2016 ? Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, today an

February 25, 2016 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 24, 2016 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inc

January 22, 2016 EX-24.2

Power of Attorney

Power of Attorney Know all by these presents, that the undersigned (the ?Reporting Person?) hereby constitutes and appoints Mary Beth Steiginga as the Reporting Person?s true and lawful attorney-in-fact to: (1) execute for and on behalf of the Reporting Person, in the Reporting Person?s capacity as an officer or trustee of Stewardship Financial Corporation (the ?Company?), Forms 3, 4 and 5 in acco

January 22, 2016 EX-24.1

Power of Attorney

Power of Attorney Know all by these presents, that the undersigned (the ?Reporting Person?) hereby constitutes and appoints Diane Kerner as the Reporting Person?s true and lawful attorney-in-fact to: (1) execute for and on behalf of the Reporting Person, in the Reporting Person?s capacity as an officer or trustee of Stewardship Financial Corporation (the ?Company?), Forms 3, 4 and 5 in accordance

January 21, 2016 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

For Immediate Release Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 (201) 444-7100 STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ ? January 20, 2016 ? The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

January 21, 2016 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 20, 2016 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

January 20, 2016 EX-24.2

Power of Attorney

Power of Attorney Know all by these presents, that the undersigned (the ?Reporting Person?) hereby constitutes and appoints Mary Beth Steiginga as the Reporting Person?s true and lawful attorney-in-fact to: (1) execute for and on behalf of the Reporting Person, in the Reporting Person?s capacity as an officer or trustee of Stewardship Financial Corporation (the ?Company?), Forms 3, 4 and 5 in acco

January 20, 2016 EX-24.1

Power of Attorney

Power of Attorney Know all by these presents, that the undersigned (the ?Reporting Person?) hereby constitutes and appoints Diane Kerner as the Reporting Person?s true and lawful attorney-in-fact to: (1) execute for and on behalf of the Reporting Person, in the Reporting Person?s capacity as an officer or trustee of Stewardship Financial Corporation (the ?Company?), Forms 3, 4 and 5 in accordance

December 10, 2015 EX-24.2

Power of Attorney

Power of Attorney Know all by these presents, that the undersigned (the ?Reporting Person?) hereby constitutes and appoints Mary Beth Steiginga as the Reporting Person?s true and lawful attorney-in-fact to: (1) execute for and on behalf of the Reporting Person, in the Reporting Person?s capacity as an officer or trustee of Stewardship Financial Corporation (the ?Company?), Forms 3, 4 and 5 in acco

December 10, 2015 EX-24.1

Power of Attorney

Power of Attorney Know all by these presents, that the undersigned (the ?Reporting Person?) hereby constitutes and appoints Diane Kerner as the Reporting Person?s true and lawful attorney-in-fact to: (1) execute for and on behalf of the Reporting Person, in the Reporting Person?s capacity as an officer or trustee of Stewardship Financial Corporation (the ?Company?), Forms 3, 4 and 5 in accordance

December 10, 2015 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 8, 2015 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 0-21855 22-3351447 (State or other jurisdiction of (Commission (IRS

November 23, 2015 144

Stewardship Financial 144

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker 1(a) NAME OF ISSUER (Please type or print) (b) IRS ID

November 12, 2015 144

Stewardship Financial 144

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker 1(a) NAME OF ISSUER (Please type or print) (b) IRS ID

November 5, 2015 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

8-K 1 form8k-14763ssfn.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 2, 2015 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 1-33377 22-3351447 (State or other j

November 5, 2015 EX-99.1

Stewardship Financial Corporation Reports Earnings for Third Quarter of 2015

EXHIBIT 99.1 Stewardship Financial Corporation Reports Earnings for Third Quarter of 2015 Midland Park, NJ, November 5, 2015 ? Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank, reported net income for the three and nine months ended September 30, 2015, of $1.0 million and $3.1 million, respectively, compared to net income of $552,000 and $1.8 million for

November 5, 2015 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 5, 2015 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

October 22, 2015 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 21, 2015 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

October 22, 2015 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201-444-7100 PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ ? October 21, 2015 ? The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

September 23, 2015 144

Stewardship Financial 144

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker 1(a) NAME OF ISSUER (Please type or print) (b) IRS ID

September 1, 2015 EX-99.1

Stewardship Financial Corporation Announces Completion of $16.6 Million Private Placement of Subordinated Notes

Exhibit 99.1 For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 201- 444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Completion of $16.6 Million Private Placement of Subordinated Notes Midland Park, NJ ? August 28, 2015 ? Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship

September 1, 2015 EX-10.1

SUBORDINATED NOTE PURCHASE AGREEMENT

Exhibit 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of August 28, 2015, and is made by and among Stewardship Financial Corporation, a New Jersey corporation (?Company?), and the several purchasers of the Subordinated Notes named on Schedule I hereto (each a ?Purchaser? and collectively, the ?Purchasers?). RECITALS WHEREAS, Comp

September 1, 2015 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 28, 2015 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 0-21855 22-3351447 (State or other jurisdiction of (Commission (IRS

September 1, 2015 EX-4.1

(FORM OF SUBORDINATED NOTE)

Exhibit 4.1 (FORM OF SUBORDINATED NOTE) THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO THE CLAIMS OF CREDITORS (OTHER THAN CREDITORS OF EXISTING SUBORDINATED DEBT) AND DEPOSITORS OF STEWARDSHIP FINANCIAL CORPORATION (THE ?COMPANY?), INCLUDING OBLIGATIONS OF THE COMPANY TO ITS GENERAL AND SECURED CREDITORS AND IS UNSECURED. IT IS INELIGIBLE AS

July 31, 2015 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 30, 2015 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorpo

July 31, 2015 EX-99.1

Stewardship Financial Corporation Announces Earnings for Second Quarter of 2015

EXHIBIT 99.1 PRESS RELEASE Stewardship Financial Corporation Announces Earnings for Second Quarter of 2015 Midland Park, NJ ? July 30, 2015 ? Stewardship Financial Corporation (NASDAQ:SSFN), parent of Atlantic Stewardship Bank, announced net income for the three and six months ended June 30, 2015 of $1.2 million and $2.1 million, respectively, as compared to net income of $726,000 and $1.2 million

July 23, 2015 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201-444-7100 PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ ? July 22, 2015 ? The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

July 23, 2015 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 22, 2015 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorpo

May 21, 2015 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 18, 2015 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 22-3351447 1-33377 (State or other jurisdiction of (Commission (IRS Emp

May 21, 2015 S-3D

Stewardship Financial FORM S-3D

S-3D 1 c411058s3.htm FORM S-3D Registration No. 333- As filed with the Securities and Exchange Commission on May 21, 2015 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STEWARDSHIP FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) New Jersey 22-3351447 (State or other jurisdiction (I.R.S. employe

May 21, 2015 EX-4.2

STEWARDSHIP FINANCIAL CORPORATION DIVIDEND REINVESTMENT PLAN (as amended and restated effective as of May 21, 2015)

Exhibit 4.2 STEWARDSHIP FINANCIAL CORPORATION DIVIDEND REINVESTMENT PLAN (as amended and restated effective as of May 21, 2015) The Corporation and the Bank Stewardship Financial Corporation (the ?Corporation?) was organized in January 1995 as a business corporation under the laws of the State of New Jersey by the Board of Directors of Atlantic Stewardship Bank (the ?Bank?) in order to serve as a

May 21, 2015 EX-99.1

SFC Letterhead

Exhibit 99.1 SFC Letterhead May 21, 2015 Dear Shareholder / Dividend Reinvestment Plan Participant: We are pleased to announce enhancements to Stewardship Financial Corporation?s (the ?Corporation? or ?SFC?) Dividend Reinvestment Plan (the ?DRP?). The DRP is a dividend reinvestment and optional cash purchase plan for the Corporation?s common stock and has been in effect since May 18, 2010. The DRP

May 21, 2015 EX-99.1

Stewardship Financial Corporation and Atlantic Stewardship Bank Announce the Election of Richard W. Culp as Chairman and Howard R. Yeaton, Jr. as Vice Chairman of the Board of Directors

EX-99.1 2 ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 Stewardship Financial Corporation and Atlantic Stewardship Bank Announce the Election of Richard W. Culp as Chairman and Howard R. Yeaton, Jr. as Vice Chairman of the Board of Directors Midland Park, NJ – Robert J. Turner, Corporate Secretary of the Stewardship Financial Corporation (SSFN), and its subsidiary Atlantic Stewardship Bank, both of Midland

May 8, 2015 EX-99.1

Stewardship Financial Corporation Announces Improved Earnings For First Quarter of 2015

EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 201- 444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Improved Earnings For First Quarter of 2015 Midland Park, NJ ? May 7, 2015 ? Stewardship Financial Corporation (NASDAQ:SSFN), parent of Atlantic Stewardship Bank, announced net income for the

May 8, 2015 8-K

Stewardship Financial 8-K (Current Report/Significant Event)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 7, 2015 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorpora

April 23, 2015 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201-444-7100 PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ ? April 22, 2015 ? The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

April 23, 2015 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 22, 2015 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorp

March 30, 2015 DEF 14A

Stewardship Financial DEF 14A

DEF 14A 1 def14a-13506ssfn.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a Party other than the Registrant ¨ Check the appropriate box:

February 26, 2015 EX-99.1

Stewardship Financial Corporation Announces Earnings for Fourth Quarter and Year Ended December 31, 2014

EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 201-444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Earnings for Fourth Quarter and Year Ended December 31, 2014 Midland Park, NJ – February 25, 2015 – Stewardship Financial Corporation (NASDAQ:SSFN), parent company of Atlantic Stewardship Bank,

February 26, 2015 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 25, 2015 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inc

January 22, 2015 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 21, 2015 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

January 22, 2015 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201-444-7100 PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – January 21, 2015 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

November 7, 2014 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 6, 2014 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

November 7, 2014 EX-99.1

Stewardship Financial Corporation Reports Earnings for Third Quarter of 2014

EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 201-444-7100 PRESS RELEASE Stewardship Financial Corporation Reports Earnings for Third Quarter of 2014 Midland Park, NJ – November 6, 2014 – Stewardship Financial Corporation (NASDAQ:SSFN), parent of Atlantic Stewardship Bank, reported net income for the three an

October 23, 2014 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES AN INCREASED CASH DIVIDEND

Contact: Mary Beth Steiginga 630 Godwin Avenue Midland Park, NJ 07432 201-444-7100 PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES AN INCREASED CASH DIVIDEND Midland Park, NJ – October 22, 2014 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

October 23, 2014 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k-140801ssfn.htm 8-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 22, 2014 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction o

September 19, 2014 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 16, 2014 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (I

August 6, 2014 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 5, 2014 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorp

August 5, 2014 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 4, 2014 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 0-21855 22-3351447 (State or other jurisdiction of (Commission (IRS E

July 17, 2014 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 16, 2014 Stewardship Financial Corporation (Exact name of registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of Incorporation) (Commission File N

July 17, 2014 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

EX-99.1 2 ex99-1.htm PRESS RELEASE DATED JULY 16, 2014 Stewardship Financial Corporation 8-K Exhibit 99.1 PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – July 16, 2014 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.01 per share cash dividend. Common stockholders o

May 20, 2014 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 19, 2014 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (IRS Emp

May 8, 2014 EX-99.1

Stewardship Financial Corporation Announces First Quarter of 2014 Earnings

EXHIBIT 99.1 Contact: Claire M. Chadwick EVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 201- 444-7100 PRESS RELEASE Stewardship Financial Corporation Announces First Quarter of 2014 Earnings Midland Park, NJ – May 7, 2014 – Stewardship Financial Corporation (NASDAQ:SSFN), parent of Atlantic Stewardship Bank, announced net income for the three months ended March 31, 2014 o

May 8, 2014 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 7, 2014 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorpora

April 17, 2014 8-K

Financial Statements and Exhibits, Other Events - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 16, 2014 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorp

April 17, 2014 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – April 16, 2014 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

March 28, 2014 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confide

March 26, 2014 10-K

Stewardship Financial 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2013 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-33377 Stewardship Financial Corpor

March 21, 2014 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 18, 2014 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (IRS E

February 26, 2014 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 25, 2014 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inc

February 26, 2014 EX-99.1

Stewardship Financial Corporation Announces Year Ended December 31, 2013 Earnings

EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick SVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 201-444-7100 PRESS RELEASE Stewardship Financial Corporation Announces Year Ended December 31, 2013 Earnings Midland Park, NJ – February 25, 2014 – Stewardship Financial Corporation (NASDAQ:SSFN), parent of Atlantic Stewardship Bank, reported net income for the ye

January 24, 2014 8-K

Financial Statements and Exhibits, Other Events - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 23, 2014 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

January 24, 2014 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – January 23, 2014 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

October 17, 2013 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 16, 2013 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

October 17, 2013 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – October 16, 2013 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

September 9, 2013 144

- 144

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker 1(a) NAME OF ISSUER (Please type or print) (b) IRS ID

July 18, 2013 8-K

Financial Statements and Exhibits, Other Events - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 17, 2013 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorpo

July 18, 2013 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – July 17, 2013 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

June 11, 2013 144

- 144

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker 1(a) NAME OF ISSUER (Please type or print) (b) IRS ID

May 22, 2013 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

8-K 1 form8k-130864ssfn.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 20, 2013 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 1-33377 22-3351447 (State or other juri

May 10, 2013 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 9, 2013 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorpora

May 10, 2013 EX-99.1

Stewardship Financial Corporation Announces First Quarter of 2013 Earnings

EXHIBIT 99.1 For Immediate Release Contact: Claire M. Chadwick SVP and Chief Financial Officer 630 Godwin Avenue Midland Park, NJ 07432 201- 444-7100 PRESS RELEASE Stewardship Financial Corporation Announces First Quarter of 2013 Earnings Midland Park, NJ – May 9, 2013 – Stewardship Financial Corporation (NASDAQ:SSFN), parent of Atlantic Stewardship Bank, announced net income for the three months

April 19, 2013 8-K

Financial Statements and Exhibits, Other Events - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 18, 2013 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorp

April 19, 2013 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – April 18, 2013 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

April 5, 2013 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confide

March 29, 2013 EX-16.1

March 29, 2013

EXHIBIT 16.1 March 29, 2013 Office of the Chief Accountant Securities and Exchange Commission 100 F Street, N. E. Washington, D.C. 20549 Ladies and Gentlemen: We have read the comments made regarding us in Item 4.01 of Form 8-K of Stewardship Financial Corporation (the “Corporation”) dated March 29, 2013, as contained in the third sentence of the first paragraph of Item 4.01 and the second paragra

March 29, 2013 8-K/A

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant - 8-K/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 28, 2013 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer In

February 1, 2013 EX-16.1

EXHIBIT 16.1

EXHIBIT 16.1 February 1, 2013 Office of the Chief Accountant Securities and Exchange Commission 100 F Street, N. E. Washington, D.C. 20549 Ladies and Gentlemen: We have read the comments made regarding us in Item 4.01 of Form 8-K of Stewardship Financial Corporation dated February 1, 2013, as contained in the third sentence of the first paragraph of Item 4.01 and the second paragraph of Item 4.01,

February 1, 2013 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 28, 2013 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

January 17, 2013 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – January 16, 2013 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

January 17, 2013 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k-127670ssfn.htm 8-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 16, 2013 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction o

November 26, 2012 144

- 144

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker 1(a) NAME OF ISSUER (Please type or print) (b) IRS ID

October 18, 2012 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – October 17, 2012 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

October 18, 2012 8-K

Financial Statements and Exhibits, Other Events - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 17, 2012 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Inco

August 27, 2012 144

- 144

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker 1(a) NAME OF ISSUER (Please type or print) (b) IRS ID

July 20, 2012 8-K

Financial Statements and Exhibits, Other Events -

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 19, 2012 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of Incorporation) (Commission File N

July 20, 2012 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – July 19, 2012 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

May 15, 2012 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 14, 2012 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 1-33377 22-3351447 (State or other jurisdiction of (Commission (IRS Emp

April 19, 2012 EX-99.1

STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND

PRESS RELEASE STEWARDSHIP FINANCIAL CORPORATION DECLARES CASH DIVIDEND Midland Park, NJ – April 18, 2012 – The Board of Directors of Stewardship Financial Corporation (NASDAQ: SSFN), parent company of Atlantic Stewardship Bank, has declared a $0.

April 19, 2012 8-K

Financial Statements and Exhibits, Other Events - 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 18, 2012 Stewardship Financial Corporation (Exact Name of Registrant as Specified in its Charter) New Jersey 1-33377 22-3351447 (State or Other Jurisdiction of (Commission (IRS Employer Incorp

April 6, 2012 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confide

February 28, 2012 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 23, 2012 Stewardship Financial Corporation (Exact name of registrant as specified in its charter) New Jersey 0-21855 22-3351447 (State or other jurisdiction of (Commission (IR

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