About Fentura Financial, Inc. (FETM) — Dividend Analysis 2026
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.
Is FETM a good dividend investment in 2026?
FETM offers a 0.77% forward yield with a 50% payout ratio. Strand Safety Score: 48/100 (Moderate Risk). The 5-year dividend CAGR of 65.3% demonstrates strong, consistent growth that outpaces inflation.
FETM DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your FETM portfolio grows to $239.9K vs $208.1K without reinvestment. This is the compound interest effect in action.
FETM dividend growth history & forecast
FETM has grown its dividend by 0% over the last year and 65.3% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 0.77%.
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum+0.0B → +0.0B → +0.0B
8 / 30 pts
8/30
Net income is positive but trending down — watch for further deterioration
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
48
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 FETM Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FETM.
Gross yield
0.77%
Tax rate
15.00%
After-tax yield
0.65%
Real yield (−CPI)
-2.15%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
0.77%
-2.03%
$77 / yr
🇺🇸 US Taxable (15%) ✓
15%
0.65%
-2.15%
$65 / yr
🇺🇸 US Taxable (20%)
20%
0.62%
-2.18%
$62 / yr
🇬🇧 UK ISA
0%
0.77%
-2.03%
$77 / yr
🇬🇧 UK Taxable
8.75%
0.70%
-2.10%
$70 / yr
🇨🇦 TFSA
0%
0.77%
-2.03%
$77 / yr
🇨🇦 CA Taxable
25%
0.58%
-2.22%
$58 / yr
🇦🇺 Super (pension)
15%
0.65%
-2.15%
$65 / yr
🇦🇺 AU Taxable
30%
0.54%
-2.26%
$54 / yr
🇩🇪 DE Taxable
26.375%
0.57%
-2.23%
$57 / yr
🇫🇷 FR Taxable
30%
0.54%
-2.26%
$54 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FETM Income Goal & Break-Even
Dividend Break-Even
10yr
Years for dividends to fully repay your FETM investment of $42.70/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$29.2K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$26.7K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in FETM for:
Shares needed
85,562
Capital required
$3,653,497
Monthly income
$2,000
Based on current dividend of $0.33/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FETM Dividend Payment Schedule
FETM pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$0.70 / payment
$2.81 / year after tax
100 shares
$7.01 / payment
$28.05 / year after tax
1,000 shares
$70.13 / payment
$280.50 / year after tax
📊 FETM vs Financial Services Benchmarks
How FETM compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-2.13% vs sectorBelow avg
FETM
0.77%
avg
2.90%
5Y Dividend CAGR▲+58.20% vs sectorBetter
FETM
65.30%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
FETM
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FETM sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FETM Insider Activity
▲ 10 Buys
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
Insider
Title
Type
Date
Shares
Price
Total Value
Rybar Ronald
director
Buy
2012-12-06
1,700
$3.00
$5.1K
Rybar Ronald
director
Buy
2012-12-04
1,000
$3.00
$3.0K
Rybar Ronald
director
Buy
2012-11-30
100
$2.75
$275.00
Rybar Ronald
director
Buy
2012-11-28
100
$2.74
$274.00
Rybar Ronald
director
Buy
2012-10-11
500
$2.50
$1.3K
Rybar Ronald
director
Buy
2012-09-12
1
$2.00
$2.00
Rybar Ronald
director
Buy
2012-09-11
3,841
$2.00
$7.7K
Rybar Ronald
director
Buy
2012-08-20
2,529
$2.00
$5.1K
Rybar Ronald
director
Buy
2012-07-10
500
$2.00
$1.0K
Rybar Ronald
director
Buy
2012-09-28
2,857
$2.10
$6.0K
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
🔬
Financial Health Scores
Altman Z-Score
-0.04
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
7/9
✅ Strong fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FETM dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →