Business Description
Fentura Financial Inc
NAICS : 522110
SIC : 6022
ISIN : US3146451022
Description
Fentura Financial Inc is a bank holding company engaged in the business of financial services through its wholly-owned subsidiaries. The corporation provides banking and trust services principally to individuals, small businesses, and governmental entities through its community banking and loan processing offices. The primary deposit products include Checking, Savings, and Term certificate accounts, and the primary lending products comprise Residential mortgage, Commercial real estate, Commercial, Home equity, and Consumer loans. The corporation's sources of revenue include trust-related income, investment services income, ATM card income, debit card income, and service charges on deposit accounts.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.72 | |||||
| Equity-to-Asset | 0.08 | |||||
| Debt-to-Equity | 1.25 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Beneish M-Score | -2.33 | |||||
| WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 2.9 | |||||
| 3-Year EPS without NRI Growth Rate | -0.1 | |||||
| 3-Year FCF Growth Rate | 1.9 | |||||
| 3-Year Book Growth Rate | 7.9 |
Momentum Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 51.67 | |||||
| 9-Day RSI | 60.07 | |||||
| 14-Day RSI | 61.7 | |||||
| 6-1 Month Momentum % | 59.62 | |||||
| 12-1 Month Momentum % | 57.96 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 1.09 | |||||
| Dividend Payout Ratio | 0.15 | |||||
| 3-Year Dividend Growth Rate | 10.1 | |||||
| Forward Dividend Yield % | 1.09 | |||||
| 5-Year Yield-on-Cost % | 1.76 | |||||
| 3-Year Average Share Buyback Ratio | 1.6 | |||||
| Shareholder Yield % | 4.84 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 21.9 | |||||
| FCF Margin % | 32.77 | |||||
| ROE % | 6.99 | |||||
| ROA % | 0.55 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 18.79 | |||||
| PE Ratio without NRI | 18.79 | |||||
| Shiller PE Ratio | 11.37 | |||||
| PEG Ratio | 1.92 | |||||
| PS Ratio | 4.12 | |||||
| PB Ratio | 1.26 | |||||
| Price-to-Tangible-Book | 1.44 | |||||
| Price-to-Free-Cash-Flow | 12.45 | |||||
| Price-to-Operating-Cash-Flow | 11.54 | |||||
| EV-to-Revenue | 5.28 | |||||
| EV-to-FCF | 16.4 | |||||
| Price-to-Projected-FCF | 0.61 | |||||
| Price-to-DCF (Earnings Based) | 1.5 | |||||
| Price-to-DCF (FCF Based) | 1.08 | |||||
| Price-to-Peter-Lynch-Fair-Value | 2.08 | |||||
| Price-to-Graham-Number | 0.95 | |||||
| FCF Yield % | 7.92 | |||||
| Forward Rate of Return (Yacktman) % | 18.45 |
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