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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash-to-Debt 0.56
FETM's Cash-to-Debt is ranked lower than
71% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. FETM: 0.56 )
Ranked among companies with meaningful Cash-to-Debt only.
FETM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.47  Med: 1.14 Max: 14.93
Current: 0.56
0.47
14.93
Equity-to-Asset 0.07
FETM's Equity-to-Asset is ranked lower than
78% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FETM: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
FETM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.12
Current: 0.07
0.04
0.12
Interest Coverage 3.30
FETM's Interest Coverage is ranked higher than
70% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. FETM: 3.30 )
Ranked among companies with meaningful Interest Coverage only.
FETM' s Interest Coverage Range Over the Past 10 Years
Min: 0.45  Med: 2.32 Max: 3.3
Current: 3.3
0.45
3.3
Piotroski F-Score: 4
Beneish M-Score: -2.35
WACC vs ROIC
4.64%
10.28%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 33.68
FETM's Operating Margin % is ranked higher than
59% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. FETM: 33.68 )
Ranked among companies with meaningful Operating Margin % only.
FETM' s Operating Margin % Range Over the Past 10 Years
Min: -79.4  Med: 2.43 Max: 33.68
Current: 33.68
-79.4
33.68
Net Margin % 22.26
FETM's Net Margin % is ranked higher than
52% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. FETM: 22.26 )
Ranked among companies with meaningful Net Margin % only.
FETM' s Net Margin % Range Over the Past 10 Years
Min: -118.29  Med: 3.36 Max: 51.09
Current: 22.26
-118.29
51.09
ROE % 15.48
FETM's ROE % is ranked higher than
86% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. FETM: 15.48 )
Ranked among companies with meaningful ROE % only.
FETM' s ROE % Range Over the Past 10 Years
Min: -59.94  Med: 3.63 Max: 41.43
Current: 15.48
-59.94
41.43
ROA % 1.12
FETM's ROA % is ranked higher than
69% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FETM: 1.12 )
Ranked among companies with meaningful ROA % only.
FETM' s ROA % Range Over the Past 10 Years
Min: -3.09  Med: 0.17 Max: 2.63
Current: 1.12
-3.09
2.63
3-Year Revenue Growth Rate 10.40
FETM's 3-Year Revenue Growth Rate is ranked higher than
77% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. FETM: 10.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FETM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -23  Med: 3.3 Max: 53.8
Current: 10.4
-23
53.8
3-Year EBITDA Growth Rate 55.20
FETM's 3-Year EBITDA Growth Rate is ranked higher than
95% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. FETM: 55.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FETM' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -55.3  Med: 4.2 Max: 55.2
Current: 55.2
-55.3
55.2
3-Year EPS without NRI Growth Rate 53.20
FETM's 3-Year EPS without NRI Growth Rate is ranked higher than
94% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FETM: 53.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FETM' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -46.2  Med: -1.4 Max: 120.5
Current: 53.2
-46.2
120.5
GuruFocus has detected 4 Warning Signs with Fentura Financial Inc $FETM.
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» FETM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:OTTW, OTCPK:CBAF, OTCPK:PPBN, NAS:MELR, NAS:BCTF, OTCPK:SRYB, OTCPK:WDFN, OTCPK:BAYK, OTCPK:TBNC, OTCPK:NWPP, OTCPK:PKKW, OTCPK:KTHN, OTCPK:CBKM, NAS:CZFC, NAS:VBFC, OTCPK:FPBK, OTCPK:SBKK, OTCPK:RIVE, NAS:CART, OTCPK:UWHR » details
Fentura Financial Inc is a bank holding company which, through its subsidiaries, offers a range of banking services mainly to individuals, small businesses and government entities throughout mid-Michigan.

Fentura Financial Inc was originally incorporated in 1987 as a one-bank holding company for The State Bank. It provides banking and trust services principally to individuals, small businesses and governmental entities through its eight community banking offices in Genesee, Livingston, and Oakland Counties in southeastern Michigan. Its deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. The banks segments have been identified: commercial, commercial real estate, residential real estate, installment loans and home equity loans.

Ratios

vs
industry
vs
history
PE Ratio 9.76
FETM's PE Ratio is ranked higher than
75% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. FETM: 9.76 )
Ranked among companies with meaningful PE Ratio only.
FETM' s PE Ratio Range Over the Past 10 Years
Min: 2.02  Med: 8.56 Max: 13.77
Current: 9.76
2.02
13.77
PE Ratio without NRI 9.76
FETM's PE Ratio without NRI is ranked higher than
75% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. FETM: 9.76 )
Ranked among companies with meaningful PE Ratio without NRI only.
FETM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.02  Med: 8.56 Max: 13.77
Current: 9.76
2.02
13.77
Price-to-Owner-Earnings 6.91
FETM's Price-to-Owner-Earnings is ranked higher than
78% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. FETM: 6.91 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FETM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.99  Med: 7.26 Max: 18.01
Current: 6.91
3.99
18.01
PB Ratio 1.42
FETM's PB Ratio is ranked lower than
61% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FETM: 1.42 )
Ranked among companies with meaningful PB Ratio only.
FETM' s PB Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.87 Max: 1.42
Current: 1.42
0.09
1.42
PS Ratio 2.18
FETM's PS Ratio is ranked higher than
74% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FETM: 2.18 )
Ranked among companies with meaningful PS Ratio only.
FETM' s PS Ratio Range Over the Past 10 Years
Min: 0.15  Med: 1.1 Max: 2.38
Current: 2.18
0.15
2.38
Price-to-Free-Cash-Flow 15.55
FETM's Price-to-Free-Cash-Flow is ranked lower than
57% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. FETM: 15.55 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FETM' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.24  Med: 10.1 Max: 46.59
Current: 15.55
0.24
46.59
Price-to-Operating-Cash-Flow 12.81
FETM's Price-to-Operating-Cash-Flow is ranked lower than
54% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. FETM: 12.81 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FETM' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.23  Med: 8.74 Max: 62.36
Current: 12.81
0.23
62.36
EV-to-EBIT 8.64
FETM's EV-to-EBIT is ranked higher than
67% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. FETM: 8.64 )
Ranked among companies with meaningful EV-to-EBIT only.
FETM' s EV-to-EBIT Range Over the Past 10 Years
Min: -44.7  Med: 2.5 Max: 10.6
Current: 8.64
-44.7
10.6
EV-to-EBITDA 7.84
FETM's EV-to-EBITDA is ranked higher than
67% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. FETM: 7.84 )
Ranked among companies with meaningful EV-to-EBITDA only.
FETM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.1  Med: 6.1 Max: 68.7
Current: 7.84
-12.1
68.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.10
FETM's Dividend Yield % is ranked lower than
85% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FETM: 1.10 )
Ranked among companies with meaningful Dividend Yield % only.
FETM' s Dividend Yield % Range Over the Past 10 Years
Min: 0.62  Med: 0.9 Max: 17.86
Current: 1.1
0.62
17.86
Dividend Payout Ratio 0.06
FETM's Dividend Payout Ratio is ranked higher than
97% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FETM: 0.06 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FETM' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.38
Current: 0.06
0.06
0.38
Forward Dividend Yield % 1.10
FETM's Forward Dividend Yield % is ranked lower than
88% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. FETM: 1.10 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.10
FETM's 5-Year Yield-on-Cost % is ranked lower than
87% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FETM: 1.10 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FETM' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.62  Med: 0.9 Max: 17.86
Current: 1.1
0.62
17.86
3-Year Average Share Buyback Ratio -1.10
FETM's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FETM: -1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FETM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -28.5  Med: -1.3 Max: 0.3
Current: -1.1
-28.5
0.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.42
FETM's Price-to-Tangible-Book is ranked lower than
56% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FETM: 1.42 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FETM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.15  Med: 1.12 Max: 2.07
Current: 1.42
0.15
2.07
Price-to-Intrinsic-Value-Projected-FCF 0.59
FETM's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
73% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FETM: 0.59 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FETM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.06  Med: 0.45 Max: 0.98
Current: 0.59
0.06
0.98
Price-to-Median-PS-Value 1.99
FETM's Price-to-Median-PS-Value is ranked lower than
90% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FETM: 1.99 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FETM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.19  Med: 1.53 Max: 3.12
Current: 1.99
0.19
3.12
Price-to-Graham-Number 0.78
FETM's Price-to-Graham-Number is ranked higher than
65% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. FETM: 0.78 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FETM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.25  Med: 0.77 Max: 1.26
Current: 0.78
0.25
1.26
Earnings Yield (Greenblatt) % 11.58
FETM's Earnings Yield (Greenblatt) % is ranked higher than
75% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. FETM: 11.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FETM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 9.5  Med: 13.1 Max: 69.5
Current: 11.58
9.5
69.5
Forward Rate of Return (Yacktman) % -14.07
FETM's Forward Rate of Return (Yacktman) % is ranked lower than
93% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. FETM: -14.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FETM' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -16.4  Med: 97.75 Max: 286.8
Current: -14.07
-16.4
286.8

More Statistics

Revenue (TTM) (Mil) $21.08
EPS (TTM) $ 1.87
Beta0.34
Short Percentage of Float0.00%
52-Week Range $12.85 - 18.25
Shares Outstanding (Mil)2.52

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