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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.07
FNFG's Cash to Debt is ranked lower than
95% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. FNFG: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
FNFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.10 Max: N/A
Current: 0.07
Equity to Asset 0.10
FNFG's Equity to Asset is ranked higher than
51% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FNFG: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FNFG' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.21
Current: 0.1
0.09
0.21
Interest Coverage 2.00
FNFG's Interest Coverage is ranked higher than
56% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FNFG: 2.00 )
Ranked among companies with meaningful Interest Coverage only.
FNFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.63  Med: 1.42 Max: 3.6
Current: 2
0.63
3.6
F-Score: 4
M-Score: -2.86
WACC vs ROIC
4.15%
2.26%
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 (%) 21.32
FNFG's Operating margin (%) is ranked lower than
72% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. FNFG: 21.32 )
Ranked among companies with meaningful Operating margin (%) only.
FNFG' s Operating margin (%) Range Over the Past 10 Years
Min: -59.03  Med: 25.78 Max: 38.97
Current: 21.32
-59.03
38.97
Net-margin (%) 15.74
FNFG's Net-margin (%) is ranked lower than
72% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. FNFG: 15.74 )
Ranked among companies with meaningful Net-margin (%) only.
FNFG' s Net-margin (%) Range Over the Past 10 Years
Min: -51.22  Med: 17.04 Max: 25.68
Current: 15.74
-51.22
25.68
ROE (%) 4.55
FNFG's ROE (%) is ranked lower than
77% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. FNFG: 4.55 )
Ranked among companies with meaningful ROE (%) only.
FNFG' s ROE (%) Range Over the Past 10 Years
Min: -16.42  Med: 5.01 Max: 6.65
Current: 4.55
-16.42
6.65
ROA (%) 0.56
FNFG's ROA (%) is ranked lower than
69% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FNFG: 0.56 )
Ranked among companies with meaningful ROA (%) only.
FNFG' s ROA (%) Range Over the Past 10 Years
Min: -1.88  Med: 0.73 Max: 1.15
Current: 0.56
-1.88
1.15
EBITDA Growth (3Y)(%) 6.70
FNFG's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FNFG: 6.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FNFG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.20 Max: 42.3
Current: 6.7
0
42.3
EPS Growth (3Y)(%) 10.50
FNFG's EPS Growth (3Y)(%) is ranked higher than
60% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FNFG: 10.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FNFG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 7.60 Max: 34.6
Current: 10.5
0
34.6
» FNFG's 10-Y Financials

Financials (Next Earnings Date: 2016-07-29)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

FNFG Guru Trades in Q2 2015

Arnold Schneider 1,936,845 sh (+33.58%)
David Dreman 1,508,238 sh (+7.51%)
John Keeley 46,575 sh (+7.32%)
HOTCHKIS & WILEY 4,590,753 sh (+4.04%)
Richard Snow 11,197,435 sh (+2.66%)
Barrow, Hanley, Mewhinney & Strauss 24,903,647 sh (+1.58%)
Robert Olstein 1,161,000 sh (unchged)
Kahn Brothers 132,333 sh (unchged)
Mario Gabelli 739,240 sh (-0.03%)
Diamond Hill Capital 686,385 sh (-0.22%)
Jim Simons 940,805 sh (-19.56%)
» More
Q3 2015

FNFG Guru Trades in Q3 2015

John Keeley 49,175 sh (+5.58%)
Arnold Schneider 1,992,684 sh (+2.88%)
Diamond Hill Capital 689,726 sh (+0.49%)
Mario Gabelli 738,360 sh (-0.12%)
Barrow, Hanley, Mewhinney & Strauss 24,671,669 sh (-0.93%)
Kahn Brothers 130,553 sh (-1.35%)
Jim Simons 909,874 sh (-3.29%)
Richard Snow 10,501,296 sh (-6.22%)
HOTCHKIS & WILEY 4,111,949 sh (-10.43%)
David Dreman 1,268,673 sh (-15.88%)
Robert Olstein 325,000 sh (-72.01%)
» More
Q4 2015

FNFG Guru Trades in Q4 2015

George Soros 23,500 sh (New)
HOTCHKIS & WILEY 7,678,850 sh (+86.74%)
Jim Simons 1,328,189 sh (+45.98%)
Diamond Hill Capital 689,726 sh (unchged)
Robert Olstein Sold Out
John Keeley Sold Out
Mario Gabelli 711,710 sh (-3.61%)
Kahn Brothers 125,729 sh (-3.70%)
Arnold Schneider 1,774,804 sh (-10.93%)
David Dreman 1,118,507 sh (-11.84%)
Barrow, Hanley, Mewhinney & Strauss 16,335,627 sh (-33.79%)
Richard Snow 1,087,258 sh (-89.65%)
» More
Q1 2016

FNFG Guru Trades in Q1 2016

Jim Simons 2,711,769 sh (+104.17%)
Arnold Schneider 2,110,802 sh (+18.93%)
Diamond Hill Capital 689,726 sh (unchged)
Richard Snow Sold Out
George Soros Sold Out
Mario Gabelli 709,810 sh (-0.27%)
David Dreman 1,092,325 sh (-2.34%)
HOTCHKIS & WILEY 7,458,584 sh (-2.87%)
Barrow, Hanley, Mewhinney & Strauss 15,503,601 sh (-5.09%)
Kahn Brothers 55,405 sh (-55.93%)
» More
» Details

Insider Trades

Latest Guru Trades with FNFG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of First Niagara Financial Group Inc

SymbolPriceYieldDescription
FNFGPRB26.088.27

Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:WAL, NYSE:PB, NAS:PVTB, NAS:FMER, NYSE:SNV, NYSE:FHN, NAS:OZRK, NAS:UMPQ, NYSE:WBS, NAS:BPOP, NYSE:BKU, NAS:FCNCA, NYSE:CFR, NAS:BOKF, NYSE:BOH, NAS:HOMB, NAS:MBFI, NYSE:ASB, NAS:UMBF, NAS:UBSI » details
Traded in other countries:FNA.Germany,
First Niagara Financial Group Inc and its subsidiaries is engaged in providing financial services to individuals and businesses in New York, Western and Eastern Pennsylvania, Connecticut, and Western Massachusetts.

First Niagara Financial Group Inc was organized in April, 1998 in Delaware. It provides a range of retail and commercial banking as well as other financial services through its wholly-owned, federally chartered savings bank subsidiary, First Niagara Bank. The Company has identified two business segments, banking and financial services. The Company's financial services activities consist of insurance and employee benefits consulting services. All of its other activities are considered banking. It provides its retail consumer and business customers with banking services including residential and commercial real estate loans, commercial business loans and leases, consumer loans, wealth management products, as well as retail and commercial deposit products. Additionally, it offers insurance and employee benefits consulting services through a wholly-owned subsidiary of the bank. The Company's subsidiaries provide financial services to individuals and small and medium size companies in its market areas. Its activity has been the origination of commercial real estate and business loans, leases, and residential mortgages to customers located within its market areas. Consistent with its long-term customer relationship development, it generally retains the servicing rights on residential mortgage loans that it sells which results in monthly service fee income to it. The Company also originates and retains in its various types of home equity and consumer loan products. It originates commercial real estate loans secured predominantly by first liens on apartment houses, office buildings, shopping centers, and industrial and warehouse properties. Commercial business loans includes business term loans, letters of credit, and lines-of-credit issued to small and medium size companies in its market areas, some of which are secured in part by additional owner occupied real estate. The Company's bi-weekly mortgages feature an accelerated repayment schedule and are linked to a deposit account to facilitate payments. It offers fixed-rate, fixed-term, monthly and bi-weekly home equity loans, and prime-based home equity lines of credit in its market areas. It offers a variety of fixed-rate installment and variable rate lines-of-credit consumer loans, including indirect mobile home loans as well as personal secured and unsecured loans. The Company's specialized lending consists of commercial leases and insurance premium financing. It offers insurance products and consulting services to help both its retail and commercial customers achieve their financial goals. The Company is subject to extensive federal and state regulation and supervision. Banking regulations are intended to protect depositors' funds, federal deposit insurance funds and the financial system as a whole, not security holders.

Ratios

vs
industry
vs
history
P/E(ttm) 19.17
FNFG's P/E(ttm) is ranked lower than
78% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. FNFG: 19.17 )
Ranked among companies with meaningful P/E(ttm) only.
FNFG' s P/E(ttm) Range Over the Past 10 Years
Min: 11.38  Med: 17.28 Max: 31.48
Current: 19.17
11.38
31.48
Forward P/E 16.81
FNFG's Forward P/E is ranked lower than
85% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. FNFG: 16.81 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.17
FNFG's PE(NRI) is ranked lower than
77% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. FNFG: 19.17 )
Ranked among companies with meaningful PE(NRI) only.
FNFG' s PE(NRI) Range Over the Past 10 Years
Min: 11.38  Med: 17.28 Max: 31.48
Current: 19.17
11.38
31.48
Price/Owner Earnings (ttm) 14.37
FNFG's Price/Owner Earnings (ttm) is ranked lower than
60% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. FNFG: 14.37 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FNFG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.09  Med: 13.96 Max: 21.49
Current: 14.37
9.09
21.49
P/B 0.94
FNFG's P/B is ranked higher than
58% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FNFG: 0.94 )
Ranked among companies with meaningful P/B only.
FNFG' s P/B Range Over the Past 10 Years
Min: 0.56  Med: 0.95 Max: 1.44
Current: 0.94
0.56
1.44
P/S 2.54
FNFG's P/S is ranked higher than
57% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FNFG: 2.54 )
Ranked among companies with meaningful P/S only.
FNFG' s P/S Range Over the Past 10 Years
Min: 1.77  Med: 3.19 Max: 5.17
Current: 2.54
1.77
5.17
PFCF 11.32
FNFG's PFCF is ranked lower than
58% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. FNFG: 11.32 )
Ranked among companies with meaningful PFCF only.
FNFG' s PFCF Range Over the Past 10 Years
Min: 4.64  Med: 10.93 Max: 105.25
Current: 11.32
4.64
105.25
POCF 8.90
FNFG's POCF is ranked lower than
51% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. FNFG: 8.90 )
Ranked among companies with meaningful POCF only.
FNFG' s POCF Range Over the Past 10 Years
Min: 4.2  Med: 10.81 Max: 23.2
Current: 8.9
4.2
23.2
EV-to-EBIT 31.63
FNFG's EV-to-EBIT is ranked lower than
87% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. FNFG: 31.63 )
Ranked among companies with meaningful EV-to-EBIT only.
FNFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -11.2  Med: 21.70 Max: 50.9
Current: 31.63
-11.2
50.9
EV-to-EBITDA 23.85
FNFG's EV-to-EBITDA is ranked lower than
83% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. FNFG: 23.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
FNFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.4  Med: 17.90 Max: 41.7
Current: 23.85
-12.4
41.7
Shiller P/E 23.61
FNFG's Shiller P/E is ranked lower than
74% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. FNFG: 23.61 )
Ranked among companies with meaningful Shiller P/E only.
FNFG' s Shiller P/E Range Over the Past 10 Years
Min: 9.6  Med: 18.35 Max: 29.53
Current: 23.61
9.6
29.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.15
FNFG's Dividend Yield is ranked higher than
52% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FNFG: 3.15 )
Ranked among companies with meaningful Dividend Yield only.
FNFG' s Dividend Yield Range Over the Past 10 Years
Min: 2.4  Med: 3.81 Max: 7.65
Current: 3.15
2.4
7.65
Dividend Payout 0.60
FNFG's Dividend Payout is ranked lower than
83% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FNFG: 0.60 )
Ranked among companies with meaningful Dividend Payout only.
FNFG' s Dividend Payout Range Over the Past 10 Years
Min: 0.23  Med: 0.48 Max: 3.2
Current: 0.6
0.23
3.2
Forward Dividend Yield 3.15
FNFG's Forward Dividend Yield is ranked lower than
51% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FNFG: 3.15 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.55
FNFG's Yield on cost (5-Year) is ranked lower than
81% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. FNFG: 1.55 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FNFG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.18  Med: 1.88 Max: 3.77
Current: 1.55
1.18
3.77
3-Year Average Share Buyback Ratio -0.20
FNFG's 3-Year Average Share Buyback Ratio is ranked higher than
71% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FNFG: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FNFG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -43.7  Med: -7.85 Max: 0
Current: -0.2
-43.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.49
FNFG's Price/Tangible Book is ranked lower than
70% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FNFG: 1.49 )
Ranked among companies with meaningful Price/Tangible Book only.
FNFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.1  Med: 1.74 Max: 4.12
Current: 1.49
1.1
4.12
Price/Projected FCF 0.59
FNFG's Price/Projected FCF is ranked higher than
59% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FNFG: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
FNFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.51  Med: 1.15 Max: 1.77
Current: 0.59
0.51
1.77
Price/Median PS Value 0.81
FNFG's Price/Median PS Value is ranked higher than
78% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FNFG: 0.81 )
Ranked among companies with meaningful Price/Median PS Value only.
FNFG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.59  Med: 1.12 Max: 3.75
Current: 0.81
0.59
3.75
Price/Graham Number 1.13
FNFG's Price/Graham Number is ranked lower than
74% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FNFG: 1.13 )
Ranked among companies with meaningful Price/Graham Number only.
FNFG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.81  Med: 1.32 Max: 5.97
Current: 1.13
0.81
5.97
Earnings Yield (Greenblatt) (%) 3.10
FNFG's Earnings Yield (Greenblatt) (%) is ranked lower than
80% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FNFG: 3.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNFG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2  Med: 4.50 Max: 6.6
Current: 3.1
2
6.6
Forward Rate of Return (Yacktman) (%) 9.84
FNFG's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. FNFG: 9.84 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FNFG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -7.8  Med: 3.10 Max: 30.1
Current: 9.84
-7.8
30.1

More Statistics

Revenue (TTM) (Mil) $1,398
EPS (TTM) $ 0.53
Beta0.90
Short Percentage of Float1.49%
52-Week Range $8.54 - 11.22
Shares Outstanding (Mil)354.89

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.61 0.63
EPS w/o NRI ($) 0.61 0.63
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)

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