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Exhibit 23
CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
We consent to the incorporation by reference in Registration Statementson Form S-8 (File Nos. 333-20793, 333-31245, 333-87842, 333-135462, and 333-167373), the Registration Statements on Form S-3 (File Nos. 333-20699, 333-54738, 333-133632, 333-157630, 333-158714, and 333-167374)of Stewardship Financial Corporation of our report dated March 28, 2013 relating to the consolidated financial statements appearing in this Annual Report on Form 10-K.
Crowe Horwath LLP
Livingston, New Jersey
March 28, 2013