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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.08
FNFG's Cash to Debt is ranked lower than
51% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FNFG: 0.08 )
FNFG' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.08

Equity to Asset 0.11
FNFG's Equity to Asset is ranked higher than
78% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FNFG: 0.11 )
FNFG' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.21
Current: 0.11

0.09
0.21
Interest Coverage 3.60
FNFG's Interest Coverage is ranked higher than
86% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FNFG: 3.60 )
FNFG' s 10-Year Interest Coverage Range
Min: 0.32   Max: 3.6
Current: 3.6

0.32
3.6
F-Score: 4
Z-Score: 0.02
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 : 7/10

vs
industry
vs
history
Operating margin (%) -56.46
FNFG's Operating margin (%) is ranked lower than
53% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. FNFG: -56.46 )
FNFG' s 10-Year Operating margin (%) Range
Min: -221.76   Max: 42.62
Current: -56.46

-221.76
42.62
Net-margin (%) -50.32
FNFG's Net-margin (%) is ranked lower than
53% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. FNFG: -50.32 )
FNFG' s 10-Year Net-margin (%) Range
Min: 12.15   Max: 135.73
Current: -50.32

12.15
135.73
ROE (%) -14.78
FNFG's ROE (%) is ranked lower than
52% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. FNFG: -14.78 )
FNFG' s 10-Year ROE (%) Range
Min: 3.45   Max: 11.32
Current: -14.78

3.45
11.32
ROA (%) -1.88
FNFG's ROA (%) is ranked lower than
53% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNFG: -1.88 )
FNFG' s 10-Year ROA (%) Range
Min: 0.48   Max: 1.41
Current: -1.88

0.48
1.41
ROC (Joel Greenblatt) (%) -17.80
FNFG's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FNFG: -17.80 )
FNFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.31   Max: 121.43
Current: -17.8

10.31
121.43
Revenue Growth (3Y)(%) 2.10
FNFG's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FNFG: 2.10 )
FNFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 43.8
Current: 2.1

0
43.8
EBITDA Growth (3Y)(%) 4.20
FNFG's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FNFG: 4.20 )
FNFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 49.2
Current: 4.2

0
49.2
EPS Growth (3Y)(%) 2.80
FNFG's EPS Growth (3Y)(%) is ranked higher than
68% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FNFG: 2.80 )
FNFG' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 22.2
Current: 2.8

0
22.2
» FNFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

FNFG Guru Trades in Q4 2013

Paul Tudor Jones 75,724 sh (New)
Steven Cohen 158,109 sh (New)
Jim Simons 1,896,705 sh (+369.01%)
James Barrow 20,582,455 sh (+20.31%)
Joel Greenblatt 30,301 sh (+13.3%)
David Dreman 696,020 sh (+6.24%)
Diamond Hill Capital 1,922,298 sh (+4.04%)
Third Avenue Management 10,275 sh (unchged)
John Keeley 41,500 sh (unchged)
RS Investment Management 1,878,528 sh (-0.1%)
Richard Snow 6,752,485 sh (-0.45%)
HOTCHKIS & WILEY 684,900 sh (-0.49%)
Irving Kahn 149,382 sh (-0.66%)
Mario Gabelli 836,940 sh (-1.41%)
» More
Q1 2014

FNFG Guru Trades in Q1 2014

Steven Cohen 2,772,534 sh (+1653.56%)
HOTCHKIS & WILEY 2,877,500 sh (+320.13%)
David Dreman 1,014,771 sh (+45.8%)
Richard Snow 8,143,448 sh (+20.6%)
James Barrow 22,492,981 sh (+9.28%)
Paul Tudor Jones 78,388 sh (+3.52%)
Joel Greenblatt 30,850 sh (+1.81%)
John Keeley 41,500 sh (unchged)
Jim Simons Sold Out
Third Avenue Management Sold Out
Mario Gabelli 834,740 sh (-0.26%)
Diamond Hill Capital 1,916,596 sh (-0.3%)
Irving Kahn 146,189 sh (-2.14%)
RS Investment Management 1,823,791 sh (-2.91%)
» More
Q2 2014

FNFG Guru Trades in Q2 2014

Richard Snow 9,601,679 sh (+17.91%)
Diamond Hill Capital 2,128,971 sh (+11.08%)
HOTCHKIS & WILEY 3,083,800 sh (+7.17%)
James Barrow 24,053,645 sh (+6.94%)
John Keeley 42,700 sh (+2.89%)
Mario Gabelli 837,740 sh (+0.36%)
RS Investment Management Sold Out
David Dreman 998,722 sh (-1.58%)
Joel Greenblatt 30,082 sh (-2.49%)
Irving Kahn 138,084 sh (-5.54%)
Paul Tudor Jones 70,685 sh (-9.83%)
» More
Q3 2014

FNFG Guru Trades in Q3 2014

Robert Olstein 610,000 sh (New)
John Burbank 11,813 sh (New)
HOTCHKIS & WILEY 3,759,500 sh (+21.91%)
Diamond Hill Capital 2,518,766 sh (+18.31%)
Joel Greenblatt 31,646 sh (+5.2%)
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
Irving Kahn 138,045 sh (-0.03%)
Mario Gabelli 809,740 sh (-3.34%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Robert Olstein 2014-09-30 New Buy0.66%$8.38 - $9.005 $ 8.33-4%610000
HOTCHKIS & WILEY 2014-09-30 Add 21.91%0.02%$8.38 - $9.005 $ 8.33-4%3759500
John Burbank 2014-09-30 New Buy$8.38 - $9.005 $ 8.33-4%11813
Richard Snow 2014-06-30 Add 17.91%0.44%$8.44 - $9.55 $ 8.33-6%9601679
Richard Snow 2014-03-31 Add 20.6%0.51%$8.22 - $10.62 $ 8.33-11%8143448
David Dreman 2014-03-31 Add 45.8%0.23%$8.22 - $10.62 $ 8.33-11%1014771
HOTCHKIS & WILEY 2014-03-31 Add 320.13%0.08%$8.22 - $10.62 $ 8.33-11%2877500
Third Avenue Management 2014-03-31 Sold Out $8.22 - $10.62 $ 8.33-11%0
James Barrow 2013-12-31 Add 20.31%0.05%$10.19 - $11.26 $ 8.33-23%20582455
David Dreman 2013-09-30 Reduce -74.71%0.55%$9.88 - $10.98 $ 8.33-20%655162
Joel Greenblatt 2013-09-30 New Buy0.01%$9.88 - $10.98 $ 8.33-20%26743
Meridian Funds 2013-06-30 New Buy0.53%$8.59 - $10.07 $ 8.33-12%1419700
James Barrow 2013-06-30 New Buy0.25%$8.59 - $10.07 $ 8.33-12%14899820
David Dreman 2013-06-30 Reduce -15.29%0.11%$8.59 - $10.07 $ 8.33-12%2590351
Third Avenue Management 2013-06-30 Reduce -97.85%0.08%$8.59 - $10.07 $ 8.33-12%10275
Richard Snow 2013-03-31 Add 8.81%0.23%$7.69 - $8.88 $ 8.331%6517660
John Keeley 2013-03-31 Reduce -95.99%0.14%$7.69 - $8.88 $ 8.331%34510
David Dreman 2012-12-31 New Buy0.69%$7.18 - $8.42 $ 8.336%3054268
Richard Snow 2012-09-30 Add 12.67%0.33%$7.2 - $8.42 $ 8.336%6364783
John Keeley 2012-09-30 Reduce -64.95%0.32%$7.2 - $8.42 $ 8.336%990333
Richard Snow 2012-06-30 Add 37.94%0.66%$7.51 - $9.79 $ 8.33-2%5649033
John Keeley 2012-06-30 Reduce -27.52%0.21%$7.51 - $9.79 $ 8.33-2%2825782
HOTCHKIS & WILEY 2012-06-30 New Buy0.03%$7.51 - $9.79 $ 8.33-2%601500
Richard Snow 2012-03-31 Add 21168.8%1.89%$8.97 - $10.26 $ 8.33-8%4095307
John Keeley 2012-03-31 Add 18.4%0.12%$8.97 - $10.26 $ 8.33-8%3898906
Richard Snow 2011-12-31 New Buy0.01%$8.24 - $9.91 $ 8.33-6%19255
George Soros 2011-09-30 Sold Out 0.0019%$9.35 - $13.53 $ 8.33-26%0
Premium More recent guru trades are included for Premium Members only!!
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Preferred stocks of First Niagara Financial Group Inc

SymbolPriceYieldDescription
FNFGPRB0.008.00

Ratios

vs
industry
vs
history
P/B 0.79
FNFG's P/B is ranked higher than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FNFG: 0.79 )
FNFG' s 10-Year P/B Range
Min: 0.56   Max: 1.44
Current: 0.79

0.56
1.44
P/S 2.06
FNFG's P/S is ranked higher than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. FNFG: 2.06 )
FNFG' s 10-Year P/S Range
Min: 1.82   Max: 6.23
Current: 2.06

1.82
6.23
PFCF 5.55
FNFG's PFCF is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNFG: 5.55 )
FNFG' s 10-Year PFCF Range
Min: 4.67   Max: 1341
Current: 5.55

4.67
1341
EV-to-EBIT -10.64
FNFG's EV-to-EBIT is ranked higher than
51% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. FNFG: -10.64 )
FNFG' s 10-Year EV-to-EBIT Range
Min: -10.8   Max: 50.7
Current: -10.64

-10.8
50.7
Shiller P/E 50.85
FNFG's Shiller P/E is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNFG: 50.85 )
FNFG' s 10-Year Shiller P/E Range
Min: 10.29   Max: 55.69
Current: 50.85

10.29
55.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.84
FNFG's Dividend Yield is ranked higher than
79% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. FNFG: 3.84 )
FNFG' s 10-Year Dividend Yield Range
Min: 1.67   Max: 7.65
Current: 3.84

1.67
7.65
Dividend Payout 0.43
FNFG's Dividend Payout is ranked higher than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FNFG: 0.43 )
FNFG' s 10-Year Dividend Payout Range
Min: 0.12   Max: 3.2
Current: 0.43

0.12
3.2
Dividend growth (3y) -17.50
FNFG's Dividend growth (3y) is ranked higher than
61% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FNFG: -17.50 )
FNFG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 82.1
Current: -17.5

0
82.1
Yield on cost (5-Year) 1.63
FNFG's Yield on cost (5-Year) is ranked lower than
65% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. FNFG: 1.63 )
FNFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.72   Max: 3.28
Current: 1.63

0.72
3.28
Share Buyback Rate -20.40
FNFG's Share Buyback Rate is ranked higher than
54% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FNFG: -20.40 )
FNFG' s 10-Year Share Buyback Rate Range
Min: 0   Max: -35.9
Current: -20.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
FNFG's Price/Tangible Book is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FNFG: 1.27 )
FNFG' s 10-Year Price/Tangible Book Range
Min: 1.12   Max: 4.14
Current: 1.27

1.12
4.14
Price/DCF (Projected) 0.50
FNFG's Price/DCF (Projected) is ranked higher than
91% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. FNFG: 0.50 )
FNFG' s 10-Year Price/DCF (Projected) Range
Min: 0.49   Max: 1.89
Current: 0.5

0.49
1.89
Price/Median PS Value 0.55
FNFG's Price/Median PS Value is ranked higher than
98% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FNFG: 0.55 )
FNFG' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 3.16
Current: 0.55

0.52
3.16
Earnings Yield (Greenblatt) -9.40
FNFG's Earnings Yield (Greenblatt) is ranked lower than
52% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FNFG: -9.40 )
FNFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 6.6
Current: -9.4

2
6.6
Forward Rate of Return (Yacktman) 16.02
FNFG's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. FNFG: 16.02 )
FNFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.6   Max: 33.7
Current: 16.02

-9.6
33.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries: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
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 
Weekly CFO Buys Highlight: PTSX, RSH, PNK, FNFG Aug 06 2012 
Weekly CEO Buys Highlight: SYMC, TDY, PNK, FNFG, OCR Aug 04 2012 
New York Community Bancorp: Ready to Rise Apr 19 2012 

More From Other Websites
Which Albany, New York banks will carry Apple Pay in 2015 Dec 22 2014
First Niagara donates sweat equity (as well as $100K) to The Foundry Dec 22 2014
First Niagara to cut up to 200 jobs Dec 22 2014
First Niagara to lay off up to 200 in 4 states Dec 19 2014
First Niagara to lay off up to 200 in 4 states Dec 19 2014
Photo Release -- Consumer Banking and Insurance Executive Susan S. Harnett Joins First Niagara's... Dec 15 2014
Photo Release -- Consumer Banking and Insurance Executive Susan S. Harnett Joins First Niagara's... Dec 15 2014
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 8-K, Change in Directors or Principal Officers Dec 15 2014
First Niagara Financial Group, Inc. to Attend 2014 FBR Annual Fall Investor Conference Dec 01 2014
First Niagara Financial Group, Inc. to Attend 2014 FBR Annual Fall Investor Conference Dec 01 2014
One Solution to the Growth vs. Value Debate: Combine Them Nov 25 2014
Insider Trading Alert - FNFG, IVR And THG Traded By Insiders Nov 19 2014
FIRST NIAGARA FINANCIAL GROUP INC Financials Nov 18 2014
First Niagara Financial Climbs After Top Executives Buy Shares Nov 14 2014
Insider Trading Alert - AKAM, NPSP And FNFG Traded By Insiders Nov 14 2014
Bank M&A Logjam Seen Easing After King’s BB&T Buys Susquehanna Nov 13 2014
10-Q for First Niagara Financial Group, Inc. Nov 12 2014
First Niagara Financial (FNFG) Stock Rises After BB&T Acquisition of Susquehanna Bancshares Nov 12 2014
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 10-Q, Quarterly Report Nov 10 2014
What a GOP-controlled Congress means for bank stocks Nov 05 2014

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