10 Year Financial Data of First Niagara Financial Group Inc (FNFG)

9.86 (1y: +19%)

Market Cap	3.49 B	P/E(ttm)	23.90
Enterprise Value	7.49 B	P/B	0.70

FNFG- NAS (USA)
First Niagara Financial Group Inc

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$9.86

3 Severe Warning Signs 5 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	6	4.5	2.8
EBITDA Growth (%)	-2.6	-6.7	-13.3
Free Cash Flow Growth (%)	-11.4	-34.2	175.9
Book Value Growth (%)	4.2	4.2	1.1

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	2.23	2.60	3.08	3.31	3.44	3.55	3.33	3.91	4.15	3.96	4.08	0.89	1.02	1.06	0.98	1.02
EBITDA per Share	1.13	1.27	1.56	1.53	1.42	1.47	0.97	1.30	1.18	0.94	0.98	0.31	--	0.31	0.31	0.36
Free Cashflow per Share	0.94	1.17	1.38	1.13	1.03	1.27	0.79	1.36	0.76	0.16	0.80	-0.18	0.08	-0.10	0.35	0.47
Earnings per Share ($)	0.53	0.65	0.84	0.85	0.81	0.81	0.46	0.70	0.64	0.40	0.41	0.16	-0.05	0.14	0.15	0.17
Dividends Per Share	0.22	0.30	0.38	0.46	0.54	0.56	0.56	0.57	0.64	0.32	0.32	0.08	0.08	0.08	0.08	0.08
Book Value per Share	10.75	11.61	12.42	12.84	13.08	14.33	16.12	13.78	16.42	13.13	13.17	13.00	12.84	13.10	13.12	13.17
Month End Stock Price	14.97	13.95	14.47	14.86	12.04	16.17	13.91	13.98	8.63	7.93	8.86	9.84	7.65	8.07	7.93	8.86
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	5.00	5.60	6.80	6.60	6.20	5.10	3.30	5.10	3.60	3.40	5.60	4.80	-0.80	4.80	4.80	5.60
Return on Assets %	1.00	1.00	1.20	1.20	1.00	0.90	0.50	0.70	0.50	0.50	0.80	0.80	--	0.80	0.80	0.80
Return on Capital - Joel Greenblatt %	67.50	38.10	35.60	66.40	26.40	19.00	7.50	11.90	15.70	8.10	13.20	6.00	-8.80	17.20	11.20	13.20
Debt to Equity	0.63	0.81	0.80	0.54	0.81	0.89	0.97	1.77	1.69	0.75	0.74	2.27	0.35	0.56	0.75	0.74

Operating Margin %	36.20	37.80	42.60	39.00	35.10	34.70	24.50	27.10	23.30	17.30	27.50	29.50	-5.40	22.30	24.20	27.50
Net Margin %	23.90	24.90	27.20	25.70	23.60	23.00	16.20	17.90	15.40	12.20	18.90	19.20	-3.10	15.70	17.80	18.90

Debt to Revenue	3.04	3.61	3.22	2.09	3.08	4.01	4.70	6.24	7.21	2.69	10.30	35.36	4.77	7.34	10.80	10.30
Interest Exp. to Revenue %	71.23	75.06	73.40	68.91	62.97	69.89	74.31	76.21	78.23	74.00	74.87	77.61	73.04	72.51	73.32	74.87

Asset Turnover	0.04	0.04	0.04	0.05	0.04	0.04	0.03	0.04	0.03	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	-1,011	--	-269	--	--	--	--	--	--	--
Dividend Payout Ratio	0.41	0.46	0.45	0.54	0.67	0.69	1.04	0.82	1.00	0.66	0.42	0.47	--	0.48	0.46	0.42
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	107	156	250	246	224	269	364	598	881	1,023	1,047	242	259	270	252	266
Non Interest Income	43.38	51.87	90.66	111	132	116	126	187	245	360	379	69.91	95.60	102	91.82	89.31
Revenue	151	208	341	358	356	384	490	784	1,127	1,383	1,426	312	355	372	344	355

Selling, General, &Admin. Expense	53.58	70.00	107	131	134	145	213	330	455	594	621	129	146	161	158	156
Credit Losses Provision	7.93	8.44	7.35	6.46	8.50	22.50	43.65	48.63	58.11	92.30	92.50	20.00	28.10	22.20	22.00	20.20
Other Expenses	13.01	28.30	54.25	54.63	66.21	57.51	90.65	146	292	369	368	54.97	179	79.68	55.19	54.03
Earnings Before DDA	76.27	101	173	166	147	159	143	260	321	327	344	108	1.00	109	109	125

Depreciation, Depletion and Amortization	21.69	22.55	27.44	26.28	22.20	26.03	22.76	47.91	59.14	87.58	98.95	16.12	20.13	25.47	25.86	27.49

Operating Income	54.59	78.68	145	139	125	133	120	212	262	239	245	92.10	-19.13	83.07	83.32	97.58
Net Income	36.11	51.82	92.86	91.86	84.09	88.44	79.38	140	174	168	176	59.87	-10.92	58.38	61.10	67.29

Preferred dividends	--	--	--	--	--	1.18	12.05	--	--	27.76	30.19	5.12	7.55	7.55	7.55	7.55
Earnings per Share ($)	0.53	0.65	0.84	0.85	0.81	0.81	0.46	0.70	0.64	0.40	0.41	0.16	-0.05	0.14	0.15	0.17
Total Shares Outstanding	67.75	79.97	111	108	103	108	147	201	272	349	350	349	349	349	350	350
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	50.00	64.34	125	188	115	111	232	214	856	431	424	370	488	447	431	424
Money Market Investments	124	--	--	--	--	4.00	4.00	--	--	--	--	--	--	--	--	--
Net Loan	2,269	3,215	5,216	5,594	5,655	6,386	7,241	10,426	16,447	19,702	19,990	16,767	18,727	19,074	19,702	19,990
Securities & Investments	846	1,173	1,620	1,060	1,217	1,573	5,515	8,315	12,018	12,293	12,095	14,751	11,401	11,968	12,293	12,095
Property, Plant and Equipment	43.69	61.76	92.12	97.18	88.69	95.98	156	218	318	411	414	331	381	396	411	414
Intangible Assets	115	346	761	748	750	785	935	1,114	1,783	2,908	2,568	1,796	2,632	2,627	2,908	2,568
Other Assets	142	218	251	259	271	377	501	797	1,388	1,061	1,354	1,503	1,478	1,362	1,061	1,354
Total Assets	3,590	5,078	8,065	7,946	8,096	9,331	14,585	21,084	32,811	36,806	36,845	35,518	35,106	35,874	36,806	36,845

Total Deposits	2,355	3,338	5,479	5,710	5,549	5,944	9,730	13,149	19,405	27,677	27,733	19,029	27,897	27,698	27,677	27,733
Current Portion of Long-Term Debt	87.15	209	441	300	500	717	1,675	1,789	2,209	2,984	2,929	6,353	958	1,996	2,984	2,929
Long-Term Debt	371	541	656	447	595	823	628	3,105	5,918	732	733	4,688	732	732	732	733
Other liabilities	48.15	61.84	115	101	99.08	120	179	276	480	487	503	572	700	533	487	503
Total Liabilities	2,861	4,150	6,690	6,558	6,743	7,604	12,211	18,319	28,012	31,880	31,898	30,642	30,288	30,959	31,880	31,898

Common Stock	0.71	0.84	1.20	1.20	1.20	1.25	1.95	2.15	3.66	3.66	3.66	3.66	3.66	3.66	3.66	3.66
Preferred Stock	--	--	--	--	--	177	--	--	338	338	338	338	338	338	338	338
Retained Earnings	218	238	285	323	345	370	353	377	375	399	419	401	351	374	399	419
Additional Paid-In Capital	545	751	1,238	1,238	1,245	1,326	2,128	2,431	4,228	4,231	4,236	4,228	4,224	4,228	4,231	4,236
Treasury Stock	-1.18	-24.02	--	-128	-209	-93.27	-89.56	-81.44	-196	-184	-178	-194	-184	-184	-184	-178
Total Equity	728	928	1,374	1,387	1,353	1,727	2,374	2,765	4,798	4,927	4,947	4,875	4,818	4,915	4,927	4,947
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	36.11	51.82	92.86	91.86	84.09	88.44	79.38	140	174	168	176	59.87	-10.92	58.38	61.10	67.29
Depreciation, Depletion and Amortization	21.69	22.55	27.44	26.28	22.20	26.03	22.76	47.91	59.14	87.58	98.95	16.12	20.13	25.47	25.86	27.49
Cash Flow from Others	5.79	19.40	32.04	3.66	0.70	23.36	14.44	84.72	96.77	-97.11	104	-112	39.28	-88.96	64.43	89.48
Cash Flow from Operations	63.58	93.76	152	122	107	138	117	273	330	159	379	-35.88	48.49	-5.11	151	184

Investment for Property, Plant & Equipement	--	--	--	--	--	--	--	--	-123	-104	-96.63	-26.73	-20.08	-28.74	-28.67	-19.14
Cash Flow from Acquisitions	-32.54	-51.72	-119	--	-10.81	-83.74	3,062	1,129	-51.34	7,703	7,703	--	7,298	405	--	--
Cash Flow from Investing	-231	-364	-307	122	-379	-480	-1,110	-1,384	-2,006	5,574	8,507	-3,092	10,260	-493	-1,101	-159

Net Issuance of Stock	313	-30.91	-86.31	-36.21	-90.78	114	802	--	341	--	--	--	--	--	--	--
Net Issuance of Preferred Stock	--	--	--	--	--	175	-184	--	338	--	--	--	--	--	--	--
Net Issuance of Debt	-13.52	170	-7.29	-343	350	310	764	1,694	950	-4,352	-7,331	2,924	-9,301	1,037	988	-55.07
Cash Flow for Dividends	-14.64	-23.92	-42.36	-49.43	-55.90	-60.07	-87.91	-115	-175	-140	-142	-33.07	-35.57	-35.57	-35.57	-35.57
Other Financing	-33.77	47.61	363	232	-3.97	-198	-179	-491	845	-1,647	-1,359	-229	-854	-545	-18.71	58.56
Cash Flow from Financing	251	163	227	-197	199	342	1,116	1,088	2,299	-6,138	-8,832	2,662	-10,190	457	934	-32.08

Net Change in Cash	83.73	-107	72.49	47.52	-72.66	-0.44	122	-22.45	623	-406	53.80	-466	118	-41.14	-16.23	-6.69

Free Cash Flow	63.58	93.76	152	122	107	138	117	273	207	54.66	282	-62.62	28.41	-33.85	123	165
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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FNFG Quarterly/Annuals Reports

FNFG: 10-Q - FIRST NIAGARA FINANCIAL GROUP INC (0001051741) (Filer): (10-Q) - 2012-11-08
FNFG: 10-Q - FIRST NIAGARA FINANCIAL GROUP INC (0001051741) (Filer): (10-Q) - 2012-05-10
FNFG: 10-K - FIRST NIAGARA FINANCIAL GROUP INC (0001051741) (Filer): (10-K) - 2012-02-28
FNFG: 10-Q - FIRST NIAGARA FINANCIAL GROUP INC (0001051741) (Filer): (10-Q) - 2011-11-09
FNFG: 10-Q/A - FIRST NIAGARA FINANCIAL GROUP INC (0001051741) (Filer): (10-Q/A) - 2011-09-07

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