Fentura Financial, Inc. Logo

Fentura Financial, Inc.

FETM

(3.0)
Stock Price

45,00 USD

0.71% ROA

8.87% ROE

13.61x PER

Market Cap.

168.203.274,00 USD

124.49% DER

1.15% Yield

14.43% NPM

Fentura Financial, Inc. Stock Analysis

Fentura Financial, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Fentura Financial, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.79x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past five years, consistently delivering higher returns to investors.

4 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

5 ROE

The stock's ROE falls within an average range (11.75%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.88%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (103) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 DER

The company has a high debt to equity ratio (151%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

Fentura Financial, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Fentura Financial, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Fentura Financial, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Fentura Financial, Inc. Revenue
Year Revenue Growth
1996 4.185.000
1997 4.096.000 -2.17%
1998 4.752.000 13.8%
1999 17.500.000 72.85%
2000 17.965.000 2.59%
2001 17.839.000 -0.71%
2002 17.624.000 -1.22%
2003 19.703.000 10.55%
2004 25.123.000 21.57%
2005 29.462.000 14.73%
2006 30.651.000 3.88%
2007 28.172.000 -8.8%
2008 23.202.000 -21.42%
2009 20.506.000 -13.15%
2010 15.605.000 -31.41%
2011 14.668.000 -6.39%
2012 15.090.000 2.8%
2013 16.610.000 9.15%
2014 18.667.000 11.02%
2015 21.075.000 11.43%
2016 22.931.000 8.09%
2017 35.009.000 34.5%
2018 38.800.000 9.77%
2019 42.123.000 7.89%
2020 59.261.000 28.92%
2021 56.406.000 -5.06%
2022 60.033.000 6.04%
2023 58.448.000 -2.71%
2023 94.204.000 37.96%
2024 95.216.000 1.06%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Fentura Financial, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Fentura Financial, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 4.661.000
1997 4.925.000 5.36%
1998 5.025.000 1.99%
1999 5.600.000 10.27%
2000 5.801.000 3.46%
2001 5.988.000 3.12%
2002 6.454.000 7.22%
2003 6.981.000 7.55%
2004 9.956.000 29.88%
2005 11.983.000 16.92%
2006 12.738.000 5.93%
2007 12.183.000 -4.56%
2008 11.127.000 -9.49%
2009 12.294.000 9.49%
2010 8.923.000 -37.78%
2011 9.157.000 2.56%
2012 9.949.000 7.96%
2013 9.204.000 -8.09%
2014 9.774.000 5.83%
2015 10.606.000 7.84%
2016 11.450.000 7.37%
2017 15.794.000 27.5%
2018 13.834.000 -14.17%
2019 18.888.000 26.76%
2020 22.943.000 17.67%
2021 25.867.000 11.3%
2022 25.531.000 -1.32%
2023 27.808.000 8.19%
2023 27.659.000 -0.54%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Fentura Financial, Inc. EBITDA
Year EBITDA Growth
1996 14.085.000
1997 15.206.000 7.37%
1998 15.103.000 -0.68%
1999 14.700.000 -2.74%
2000 16.819.000 12.6%
2001 15.447.000 -8.88%
2002 12.266.000 -25.93%
2003 12.626.000 2.85%
2004 16.180.000 21.97%
2005 20.131.000 19.63%
2006 26.461.000 23.92%
2007 19.356.000 -36.71%
2008 1.607.000 -1104.48%
2009 -4.322.000 137.18%
2010 -422.000 -924.17%
2011 1.326.000 131.83%
2012 3.959.000 66.51%
2013 5.531.000 28.42%
2014 7.554.000 26.78%
2015 9.972.000 24.25%
2016 9.856.000 -1.18%
2017 16.751.000 41.16%
2018 20.844.000 19.64%
2019 17.642.000 -18.15%
2020 24.088.000 26.76%
2021 23.447.000 -2.73%
2022 28.420.000 17.5%
2023 19.148.000 -48.42%
2023 303.000 -6219.47%
2024 176.000 -72.16%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Fentura Financial, Inc. Gross Profit
Year Gross Profit Growth
1996 4.185.000
1997 4.096.000 -2.17%
1998 4.752.000 13.8%
1999 17.500.000 72.85%
2000 17.965.000 2.59%
2001 17.839.000 -0.71%
2002 17.624.000 -1.22%
2003 19.703.000 10.55%
2004 25.123.000 21.57%
2005 29.462.000 14.73%
2006 30.651.000 3.88%
2007 28.172.000 -8.8%
2008 23.202.000 -21.42%
2009 20.506.000 -13.15%
2010 15.605.000 -31.41%
2011 14.668.000 -6.39%
2012 15.090.000 2.8%
2013 16.610.000 9.15%
2014 18.667.000 11.02%
2015 21.075.000 11.43%
2016 22.931.000 8.09%
2017 35.009.000 34.5%
2018 38.800.000 9.77%
2019 42.123.000 7.89%
2020 59.261.000 28.92%
2021 56.406.000 -5.06%
2022 60.033.000 6.04%
2023 58.448.000 -2.71%
2023 88.939.000 34.28%
2024 95.216.000 6.59%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Fentura Financial, Inc. Net Profit
Year Net Profit Growth
1996 3.233.000
1997 3.460.000 6.56%
1998 3.820.000 9.42%
1999 4.000.000 4.5%
2000 4.216.000 5.12%
2001 3.777.000 -11.62%
2002 3.466.000 -8.97%
2003 3.788.000 8.5%
2004 4.034.000 6.1%
2005 5.054.000 20.18%
2006 5.308.000 4.79%
2007 -467.000 1236.62%
2008 -12.165.000 96.16%
2009 -16.980.000 28.36%
2010 -5.385.000 -215.32%
2011 -2.003.000 -168.85%
2012 1.264.000 258.47%
2013 8.486.000 85.1%
2014 3.360.000 -152.56%
2015 4.692.000 28.39%
2016 4.441.000 -5.65%
2017 8.676.000 48.81%
2018 10.114.000 14.22%
2019 11.578.000 12.64%
2020 15.464.000 25.13%
2021 16.579.000 6.73%
2022 14.933.000 -11.02%
2023 15.100.000 1.11%
2023 14.629.000 -3.22%
2024 7.920.000 -84.71%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Fentura Financial, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 3
1997 3 0%
1998 2 -200%
1999 2 0%
2000 2 50%
2001 2 -100%
2002 2 0%
2003 2 0%
2004 2 0%
2005 2 50%
2006 2 0%
2007 0 0%
2008 -6 100%
2009 -8 28.57%
2010 -2 -250%
2011 -1 0%
2012 1 0%
2013 3 100%
2014 1 -200%
2015 2 0%
2016 2 0%
2017 2 50%
2018 3 0%
2019 2 0%
2020 3 33.33%
2021 4 0%
2022 3 0%
2023 3 0%
2023 3 0%
2024 2 -200%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Fentura Financial, Inc. Free Cashflow
Year Free Cashflow Growth
1996 4.570.000
1997 1.175.000 -288.94%
1998 -3.141.000 137.41%
1999 10.400.000 130.2%
2000 4.509.000 -130.65%
2001 271.000 -1563.84%
2002 -1.338.000 120.25%
2003 8.053.000 116.61%
2004 8.217.000 2%
2005 7.435.000 -10.52%
2006 4.113.000 -80.77%
2007 283.000 -1353.36%
2008 4.493.000 93.7%
2009 1.438.000 -212.45%
2010 11.011.000 86.94%
2011 14.889.000 26.05%
2012 -443.000 3460.95%
2013 690.000 164.2%
2014 3.415.000 79.8%
2015 2.949.000 -15.8%
2016 5.128.000 42.49%
2017 6.112.000 16.1%
2018 13.762.000 55.59%
2019 -4.283.000 421.32%
2020 14.221.000 130.12%
2021 36.821.000 61.38%
2022 18.789.000 -95.97%
2023 13.868.000 -35.48%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Fentura Financial, Inc. Operating Cashflow
Year Operating Cashflow Growth
1996 6.402.000
1997 1.404.000 -355.98%
1998 -2.227.000 163.04%
1999 12.500.000 117.82%
2000 5.845.000 -113.86%
2001 3.192.000 -83.11%
2002 919.000 -247.33%
2003 8.735.000 89.48%
2004 9.084.000 3.84%
2005 9.658.000 5.94%
2006 7.857.000 -22.92%
2007 5.062.000 -55.22%
2008 4.493.000 -12.66%
2009 1.590.000 -182.58%
2010 11.137.000 85.72%
2011 15.085.000 26.17%
2012 267.000 -5549.81%
2013 1.187.000 77.51%
2014 3.955.000 69.99%
2015 3.579.000 -10.51%
2016 5.626.000 36.38%
2017 9.507.000 40.82%
2018 15.473.000 38.56%
2019 -2.229.000 794.17%
2020 16.414.000 113.58%
2021 39.529.000 58.48%
2022 19.983.000 -97.81%
2023 15.050.000 -32.78%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Fentura Financial, Inc. Capital Expenditure
Year Capital Expenditure Growth
1996 1.832.000
1997 229.000 -700%
1998 914.000 74.95%
1999 2.100.000 56.48%
2000 1.336.000 -57.19%
2001 2.921.000 54.26%
2002 2.257.000 -29.42%
2003 682.000 -230.94%
2004 867.000 21.34%
2005 2.223.000 61%
2006 3.744.000 40.63%
2007 4.779.000 21.66%
2008 0 0%
2009 152.000 100%
2010 126.000 -20.63%
2011 196.000 35.71%
2012 710.000 72.39%
2013 497.000 -42.86%
2014 540.000 7.96%
2015 630.000 14.29%
2016 498.000 -26.51%
2017 3.395.000 85.33%
2018 1.711.000 -98.42%
2019 2.054.000 16.7%
2020 2.193.000 6.34%
2021 2.708.000 19.02%
2022 1.194.000 -126.8%
2023 1.182.000 -1.02%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Fentura Financial, Inc. Equity
Year Equity Growth
1996 24.109.000
1997 26.742.000 9.85%
1998 30.022.000 10.93%
1999 31.900.000 5.89%
2000 35.754.000 10.78%
2001 38.433.000 6.97%
2002 39.928.000 3.74%
2003 40.882.000 2.33%
2004 42.969.000 4.86%
2005 46.895.000 8.37%
2006 51.318.000 8.62%
2007 49.496.000 -3.68%
2008 36.124.000 -37.02%
2009 20.532.000 -75.94%
2010 16.055.000 -27.89%
2011 14.660.000 -9.52%
2012 16.203.000 9.52%
2013 24.762.000 34.57%
2014 28.142.000 12.01%
2015 32.474.000 13.34%
2016 50.660.000 35.9%
2017 59.447.000 14.78%
2018 89.516.000 33.59%
2019 101.444.000 11.76%
2020 115.868.000 12.45%
2021 124.455.000 6.9%
2022 126.087.000 1.29%
2023 132.902.000 5.13%
2023 138.702.000 4.18%
2024 143.301.000 3.21%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Fentura Financial, Inc. Assets
Year Assets Growth
1996 254.381.000
1997 262.798.000 3.2%
1998 275.047.000 4.45%
1999 283.600.000 3.02%
2000 292.890.000 3.17%
2001 309.090.000 5.24%
2002 340.483.000 9.22%
2003 419.966.000 18.93%
2004 584.890.000 28.2%
2005 619.089.000 5.52%
2006 622.298.000 0.52%
2007 628.019.000 0.91%
2008 578.604.000 -8.54%
2009 522.079.000 -10.83%
2010 424.228.000 -23.07%
2011 298.861.000 -41.95%
2012 310.722.000 3.82%
2013 335.225.000 7.31%
2014 393.582.000 14.83%
2015 446.402.000 11.83%
2016 703.350.000 36.53%
2017 781.443.000 9.99%
2018 926.450.000 15.65%
2019 1.034.759.000 10.47%
2020 1.251.446.000 17.31%
2021 1.417.801.000 11.73%
2022 1.688.863.000 16.05%
2023 1.744.939.000 3.21%
2023 1.738.952.000 -0.34%
2024 1.756.629.000 1.01%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Fentura Financial, Inc. Liabilities
Year Liabilities Growth
1996 230.272.000
1997 236.056.000 2.45%
1998 245.025.000 3.66%
1999 251.700.000 2.65%
2000 257.136.000 2.11%
2001 3.238.000 -7841.2%
2002 300.555.000 98.92%
2003 379.084.000 20.72%
2004 541.921.000 30.05%
2005 572.194.000 5.29%
2006 570.980.000 -0.21%
2007 578.523.000 1.3%
2008 542.480.000 -6.64%
2009 501.547.000 -8.16%
2010 408.173.000 -22.88%
2011 284.201.000 -43.62%
2012 294.519.000 3.5%
2013 310.463.000 5.14%
2014 365.440.000 15.04%
2015 413.928.000 11.71%
2016 652.690.000 36.58%
2017 721.996.000 9.6%
2018 836.934.000 13.73%
2019 933.315.000 10.33%
2020 1.135.578.000 17.81%
2021 1.293.346.000 12.2%
2022 1.562.776.000 17.24%
2023 201.050.000 -677.31%
2023 1.600.250.000 87.44%
2024 1.613.328.000 0.81%

Fentura Financial, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
19.06
Net Income per Share
2.75
Price to Earning Ratio
13.61x
Price To Sales Ratio
1.97x
POCF Ratio
369.62
PFCF Ratio
370.49
Price to Book Ratio
1.17
EV to Sales
2.55
EV Over EBITDA
47.78
EV to Operating CashFlow
480.2
EV to FreeCashFlow
480.2
Earnings Yield
0.07
FreeCashFlow Yield
0
Market Cap
0,17 Bil.
Enterprise Value
0,22 Bil.
Graham Number
44.46
Graham NetNet
-294.66

Income Statement Metrics

Net Income per Share
2.75
Income Quality
0.03
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.8
EBT Per Ebit
1.13
Ebit per Revenue
0.16
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.27
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.16
Pretax Profit Margin
0.18
Net Profit Margin
0.14

Dividends

Dividend Yield
0.01
Dividend Yield %
1.15
Payout Ratio
0
Dividend Per Share
0.43

Operating Metrics

Operating Cashflow per Share
0.1
Free CashFlow per Share
0.1
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
20.27
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
18
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
50,50
Book Value per Share
31,96
Tangible Book Value per Share
27.96
Shareholders Equity per Share
31.96
Interest Debt per Share
44.18
Debt to Equity
1.24
Debt to Assets
0.1
Net Debt to EBITDA
10.92
Current Ratio
0.16
Tangible Asset Value
0,13 Bil.
Net Current Asset Value
-1,48 Bil.
Invested Capital
-673842000
Working Capital
-0,71 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
61921500
Debt to Market Cap
1.06

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Fentura Financial, Inc. Dividends
Year Dividends Growth
2000 0
2001 1 0%
2002 1 100%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Fentura Financial, Inc. Profile

About Fentura Financial, Inc.

Fentura Financial, Inc. operates as the bank holding company for The State Bank that provides banking products and services to individuals, small businesses, and governmental entities. Fentura Financial, Inc. was founded in 1898 and is headquartered in Fenton, Michigan.

CEO
Mr. Ronald L. Justice
Employee
129
Address
175 North Leroy Leroy Street
Fenton, 48430

Fentura Financial, Inc. Executives & BODs

Fentura Financial, Inc. Executives & BODs
# Name Age
1 Mr. Aaron D. Wirsing
Executive Vice President & Chief Financial Officer
70
2 Mr. Ronald L. Justice
President, Chief Executive Officer & Director
70
3 Mr. Craig L. Johnson
Executive Vice President & Chief Lending Officer
70

Fentura Financial, Inc. Competitors