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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 0.09
FNFG's Cash to Debt is ranked lower than
93% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FNFG: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
FNFG' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.11 Max: N/A
Current: 0.09
Equity to Asset 0.11
FNFG's Equity to Asset is ranked higher than
62% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FNFG: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
FNFG' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.15 Max: 0.21
Current: 0.11
0.09
0.21
F-Score: 2
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 : 5/10

vs
industry
vs
history
Operating margin (%) -59.78
FNFG's Operating margin (%) is ranked lower than
98% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FNFG: -59.78 )
Ranked among companies with meaningful Operating margin (%) only.
FNFG' s 10-Year Operating margin (%) Range
Min: -221.76  Med: 30.96 Max: 42.62
Current: -59.78
-221.76
42.62
Net-margin (%) -52.88
FNFG's Net-margin (%) is ranked lower than
98% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FNFG: -52.88 )
Ranked among companies with meaningful Net-margin (%) only.
FNFG' s 10-Year Net-margin (%) Range
Min: -51.22  Med: 21.86 Max: 135.73
Current: -52.88
-51.22
135.73
ROE (%) -17.83
FNFG's ROE (%) is ranked lower than
97% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FNFG: -17.83 )
Ranked among companies with meaningful ROE (%) only.
FNFG' s 10-Year ROE (%) Range
Min: -16.42  Med: 6.14 Max: 11.32
Current: -17.83
-16.42
11.32
ROA (%) -1.90
FNFG's ROA (%) is ranked lower than
96% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FNFG: -1.90 )
Ranked among companies with meaningful ROA (%) only.
FNFG' s 10-Year ROA (%) Range
Min: -1.88  Med: 0.90 Max: 1.41
Current: -1.9
-1.88
1.41
Revenue Growth (3Y)(%) -1.30
FNFG's Revenue Growth (3Y)(%) is ranked lower than
67% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FNFG: -1.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FNFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.90 Max: 43.8
Current: -1.3
0
43.8
» FNFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

FNFG Guru Trades in Q3 2014

John Burbank 11,813 sh (New)
Robert Olstein 610,000 sh (New)
HOTCHKIS & WILEY 3,759,500 sh (+21.91%)
Diamond Hill Capital 2,518,766 sh (+18.31%)
Joel Greenblatt 31,646 sh (+5.20%)
Richard Snow 9,961,949 sh (+3.75%)
James Barrow 24,555,334 sh (+2.09%)
David Dreman 1,012,050 sh (+1.33%)
John Keeley 42,700 sh (unchged)
Paul Tudor Jones Sold Out
Kahn Brothers 138,045 sh (-0.03%)
Mario Gabelli 809,740 sh (-3.34%)
» More
Q4 2014

FNFG Guru Trades in Q4 2014

Jim Simons 866,717 sh (New)
Arnold Schneider 1,483,239 sh (New)
David Dreman 1,287,277 sh (+27.20%)
HOTCHKIS & WILEY 4,337,121 sh (+15.36%)
Richard Snow 10,903,431 sh (+9.45%)
Robert Olstein 634,000 sh (+3.93%)
John Burbank Sold Out
Joel Greenblatt Sold Out
James Barrow 24,460,581 sh (-0.06%)
James Barrow 24,474,581 sh (-0.33%)
John Keeley 41,600 sh (-2.58%)
Mario Gabelli 786,440 sh (-2.88%)
Kahn Brothers 134,045 sh (-2.90%)
Diamond Hill Capital 734,730 sh (-70.83%)
» More
Q1 2015

FNFG Guru Trades in Q1 2015

Robert Olstein 1,161,000 sh (+83.12%)
Jim Simons 1,169,605 sh (+34.95%)
David Dreman 1,402,842 sh (+8.98%)
John Keeley 43,400 sh (+4.33%)
HOTCHKIS & WILEY 4,412,453 sh (+1.74%)
James Barrow 24,516,896 sh (+0.17%)
Richard Snow 10,907,487 sh (+0.04%)
Kahn Brothers 132,333 sh (-1.28%)
Arnold Schneider 1,449,974 sh (-2.24%)
Mario Gabelli 739,440 sh (-5.98%)
Diamond Hill Capital 687,895 sh (-6.37%)
» More
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%)
James Barrow 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
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of First Niagara Financial Group Inc

SymbolPriceYieldDescription
FNFGPRB26.478.15

Ratios

vs
industry
vs
history
Forward P/E 14.39
FNFG's Forward P/E is ranked lower than
75% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. FNFG: 14.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.84
FNFG's P/B is ranked higher than
67% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FNFG: 0.84 )
Ranked among companies with meaningful P/B only.
FNFG' s 10-Year P/B Range
Min: 0.56  Med: 1.00 Max: 1.44
Current: 0.84
0.56
1.44
P/S 2.28
FNFG's P/S is ranked higher than
63% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FNFG: 2.28 )
Ranked among companies with meaningful P/S only.
FNFG' s 10-Year P/S Range
Min: 1.82  Med: 3.59 Max: 5.75
Current: 2.28
1.82
5.75
PFCF 9.41
FNFG's PFCF is ranked higher than
55% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FNFG: 9.41 )
Ranked among companies with meaningful PFCF only.
FNFG' s 10-Year PFCF Range
Min: 4.67  Med: 10.09 Max: 1341
Current: 9.41
4.67
1341
POCF 7.61
FNFG's POCF is ranked higher than
59% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FNFG: 7.61 )
Ranked among companies with meaningful POCF only.
FNFG' s 10-Year POCF Range
Min: 4.19  Med: 11.37 Max: 25.52
Current: 7.61
4.19
25.52
Shiller P/E 52.56
FNFG's Shiller P/E is ranked lower than
95% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FNFG: 52.56 )
Ranked among companies with meaningful Shiller P/E only.
FNFG' s 10-Year Shiller P/E Range
Min: 10.29  Med: 17.48 Max: 57.35
Current: 52.56
10.29
57.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.54
FNFG's Dividend Yield is ranked higher than
64% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FNFG: 3.54 )
Ranked among companies with meaningful Dividend Yield only.
FNFG' s 10-Year Dividend Yield Range
Min: 1.95  Med: 3.80 Max: 7.65
Current: 3.54
1.95
7.65
Dividend Payout 0.43
FNFG's Dividend Payout is ranked lower than
66% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FNFG: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
FNFG' s 10-Year Dividend Payout Range
Min: 0.12  Med: 0.47 Max: 3.2
Current: 0.43
0.12
3.2
Dividend growth (3y) -20.60
FNFG's Dividend growth (3y) is ranked lower than
86% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FNFG: -20.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
FNFG' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 13.80 Max: 82.1
Current: -20.6
0
82.1
Yield on cost (5-Year) 1.65
FNFG's Yield on cost (5-Year) is ranked lower than
76% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FNFG: 1.65 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FNFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.92  Med: 1.80 Max: 3.62
Current: 1.65
0.92
3.62
Share Buyback Rate -8.80
FNFG's Share Buyback Rate is ranked lower than
75% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FNFG: -8.80 )
Ranked among companies with meaningful Share Buyback Rate only.
FNFG' s 10-Year Share Buyback Rate Range
Min: 0  Med: -10.90 Max: -35.9
Current: -8.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.38
FNFG's Price/Tangible Book is ranked lower than
64% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FNFG: 1.38 )
Ranked among companies with meaningful Price/Tangible Book only.
FNFG' s 10-Year Price/Tangible Book Range
Min: 1.12  Med: 1.74 Max: 4.11
Current: 1.38
1.12
4.11
Price/Projected FCF 0.54
FNFG's Price/Projected FCF is ranked higher than
65% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FNFG: 0.54 )
Ranked among companies with meaningful Price/Projected FCF only.
FNFG' s 10-Year Price/Projected FCF Range
Min: 0.49  Med: 1.16 Max: 1.79
Current: 0.54
0.49
1.79
Price/Median PS Value 0.65
FNFG's Price/Median PS Value is ranked higher than
91% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FNFG: 0.65 )
Ranked among companies with meaningful Price/Median PS Value only.
FNFG' s 10-Year Price/Median PS Value Range
Min: 0.54  Med: 1.00 Max: 3.3
Current: 0.65
0.54
3.3
Price/Peter Lynch Fair Value 2.45
FNFG's Price/Peter Lynch Fair Value is ranked lower than
615% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FNFG: 2.45 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FNFG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.77  Med: 1.20 Max: 4.76
Current: 2.45
0.77
4.76
Earnings Yield (Greenblatt) (%) -9.25
FNFG's Earnings Yield (Greenblatt) (%) is ranked lower than
94% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FNFG: -9.25 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNFG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -9.18  Med: 4.50 Max: 6.6
Current: -9.25
-9.18
6.6
Forward Rate of Return (Yacktman) (%) 15.04
FNFG's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FNFG: 15.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FNFG' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -9.6  Med: 5.45 Max: 29.8
Current: 15.04
-9.6
29.8

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 1,390 1,449 1,508
EPS($) 0.60 0.64 0.63
EPS without NRI($) 0.60 0.64 0.63

Business Description

Industry: Banks » Banks - Regional - US
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:FNFGPRB.USA, FNA.Germany,
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. The Company's 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.
» More Articles for FNFG

Headlines

Articles On GuruFocus.com
Olstein Strategic Opportunities Fund 2014 Investor Letter Apr 01 2015 
Diamond Hill Small-Mid Cap Fund Commentary: First Niagara Financial Group, Denbury Resources Mar 18 2015 
David Dreman bets on Barnes Group Inc. Feb 25 2015 
The Olstein Strategic Opportunities Fund Q3 2014 Letter to Shareholders - Value Investors That Think Nov 21 2014 
First Things First Jul 28 2014 
Notes on Thrifts and 4 Stocks to Watch May 03 2013 
comment on FNFG Mar 11 2013 
3 of My Best Financial Stock Picks for 2013 Dec 18 2012 
Weekly Top Insider Buys: CVS, LTD, BBY, SFD, FNFG Oct 08 2012 
Weekly CFO Buys Highlight: PTSX, MTG, IRDM, SQNM, FNFG, LF Aug 13 2012 

More From Other Websites
First Niagara Financial Group, Inc. Earnings Q2*, 2015 Aug 14 2015
FIRST NIAGARA FINANCIAL GROUP INC Financials Aug 07 2015
10-Q for First Niagara Financial Group, Inc. Aug 03 2015
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 10-Q, Quarterly Report Jul 31 2015
First Niagara Arranges $43.5 Million Financing for U.S. Corrugated's New State-of-the-Art Packaging... Jul 30 2015
Edited Transcript of FNFG earnings conference call or presentation 24-Jul-15 12:30pm GMT Jul 24 2015
First Niagara tops 2Q profit forecasts Jul 24 2015
First Niagara tops 2Q profit forecasts Jul 24 2015
First Niagara answers for decline in earnings Jul 24 2015
First Niagara 2Q earnings drop 21.8% Jul 24 2015
First Niagara Financial Group, Inc. Declares Quarterly Dividend Jul 24 2015
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 24 2015
Q2 2015 First Niagara Financial Group Inc Earnings Release - Before Market Open Jul 24 2015
First Niagara Reports Second Quarter 2015 Results Jul 24 2015
Why Earnings Season Could Be Great for First Niagara Financial (FNFG) - Tale of the Tape Jul 23 2015
HSBC Executive Joins First Niagara to Lead Commercial Card and Payments Jul 15 2015
First Niagara Financial Group to Announce Second Quarter Results on July 24, 2015 Jul 13 2015
Customers' Scoring Boosts First Niagara Into the Top 5 of American Banker and Reputation Institute's... Jun 25 2015
Photo Release -- First Niagara Names Jeff L. Hubbard New England Regional President Jun 18 2015
Results are in for First Niagara's federal stress tests Jun 16 2015

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