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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 0.07
FNFG's Cash to Debt is ranked lower than
95% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. FNFG: 0.07 )
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: 0.07
Equity to Asset 0.11
FNFG's Equity to Asset is ranked higher than
60% of the 1319 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 : 6/10

vs
industry
vs
history
Operating margin (%) -59.18
FNFG's Operating margin (%) is ranked lower than
98% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. FNFG: -59.18 )
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: -59.18
-221.76
42.62
Net-margin (%) -51.79
FNFG's Net-margin (%) is ranked lower than
98% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. FNFG: -51.79 )
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: -51.79
-51.22
135.73
ROE (%) -16.11
FNFG's ROE (%) is ranked lower than
97% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. FNFG: -16.11 )
Ranked among companies with meaningful ROE (%) only.
FNFG' s 10-Year ROE (%) Range
Min: -15.74  Med: 6.14 Max: 11.32
Current: -16.11
-15.74
11.32
ROA (%) -1.88
FNFG's ROA (%) is ranked lower than
97% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FNFG: -1.88 )
Ranked among companies with meaningful ROA (%) only.
FNFG' s 10-Year ROA (%) Range
Min: -1.88  Med: 0.90 Max: 1.41
Current: -1.88
-1.88
1.41
ROC (Joel Greenblatt) (%) -17.28
FNFG's ROC (Joel Greenblatt) (%) is ranked lower than
94% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FNFG: -17.28 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FNFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -16.1  Med: 30.27 Max: 121.43
Current: -17.28
-16.1
121.43
Revenue Growth (3Y)(%) -1.30
FNFG's Revenue Growth (3Y)(%) is ranked lower than
67% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 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

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%)
Kahn Brothers 138,084 sh (-5.54%)
Paul Tudor Jones 70,685 sh (-9.83%)
» More
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%)
Joel Greenblatt Sold Out
John Burbank 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
» 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
FNFGPRB27.117.94

Ratios

vs
industry
vs
history
Forward P/E 14.56
FNFG's Forward P/E is ranked lower than
74% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. FNFG: 14.56 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.88
FNFG's P/B is ranked higher than
67% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FNFG: 0.88 )
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: 0.88
0.56
1.44
P/S 2.40
FNFG's P/S is ranked higher than
64% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. FNFG: 2.40 )
Ranked among companies with meaningful P/S only.
FNFG' s 10-Year P/S Range
Min: 1.82  Med: 3.63 Max: 5.75
Current: 2.4
1.82
5.75
PFCF 10.63
FNFG's PFCF is ranked higher than
54% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. FNFG: 10.63 )
Ranked among companies with meaningful PFCF only.
FNFG' s 10-Year PFCF Range
Min: 4.67  Med: 10.03 Max: 1341
Current: 10.63
4.67
1341
POCF 8.77
FNFG's POCF is ranked higher than
56% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. FNFG: 8.77 )
Ranked among companies with meaningful POCF only.
FNFG' s 10-Year POCF Range
Min: 4.19  Med: 11.38 Max: 25.52
Current: 8.77
4.19
25.52
Shiller P/E 60.52
FNFG's Shiller P/E is ranked lower than
94% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.18 vs. FNFG: 60.52 )
Ranked among companies with meaningful Shiller P/E only.
FNFG' s 10-Year Shiller P/E Range
Min: 10.29  Med: 17.41 Max: 60.52
Current: 60.52
10.29
60.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.37
FNFG's Dividend Yield is ranked higher than
66% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. FNFG: 3.37 )
Ranked among companies with meaningful Dividend Yield only.
FNFG' s 10-Year Dividend Yield Range
Min: 1.95  Med: 3.82 Max: 7.65
Current: 3.37
1.95
7.65
Dividend Payout 0.43
FNFG's Dividend Payout is ranked lower than
66% of the 1279 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
87% of the 652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 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) 1.59
FNFG's Yield on cost (5-Year) is ranked lower than
76% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. FNFG: 1.59 )
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: 1.81 Max: 3.62
Current: 1.59
0.92
3.62
Share Buyback Rate -8.80
FNFG's Share Buyback Rate is ranked lower than
77% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 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 1.42
FNFG's Price/Tangible Book is ranked lower than
63% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FNFG: 1.42 )
Ranked among companies with meaningful Price/Tangible Book only.
FNFG' s 10-Year Price/Tangible Book Range
Min: 1.12  Med: 1.76 Max: 4.14
Current: 1.42
1.12
4.14
Price/Projected FCF 0.57
FNFG's Price/Projected FCF is ranked higher than
63% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. FNFG: 0.57 )
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: 0.57
0.49
1.79
Price/Median PS Value 0.66
FNFG's Price/Median PS Value is ranked higher than
92% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FNFG: 0.66 )
Ranked among companies with meaningful Price/Median PS Value only.
FNFG' s 10-Year Price/Median PS Value Range
Min: 0.53  Med: 0.99 Max: 3.27
Current: 0.66
0.53
3.27
Price/Peter Lynch Fair Value 2.53
FNFG's Price/Peter Lynch Fair Value is ranked lower than
648% of the 348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. FNFG: 2.53 )
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: 1.18 Max: 4.76
Current: 2.53
0.77
4.76
Earnings Yield (Greenblatt) (%) -8.89
FNFG's Earnings Yield (Greenblatt) (%) is ranked lower than
95% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FNFG: -8.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNFG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -8.89  Med: 4.50 Max: 6.6
Current: -8.89
-8.89
6.6
Forward Rate of Return (Yacktman) (%) 14.71
FNFG's Forward Rate of Return (Yacktman) (%) is ranked higher than
53% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. FNFG: 14.71 )
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: 30.6
Current: 14.71
-9.6
30.6

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
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
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Jun 16 2015
First Niagara Financial Group, Inc. Announces Release of 2015 Dodd Frank Act Stress Testing... Jun 16 2015
First Niagara charitable giving tops $10M in 2014 Jun 08 2015
Coverage initiated on First Niagara by Piper Jaffray Jun 05 2015
First Niagara Contributes More Than $10 Million in 2014 to Enhance Communities Jun 02 2015
First Niagara Contributes More Than $10 Million in 2014 to Enhance Communities Jun 02 2015
FIRST NIAGARA FINANCIAL GROUP INC Financials May 08 2015
10-Q for First Niagara Financial Group, Inc. May 06 2015
First Niagara Shares Downgraded To Sell At Goldman Sachs May 06 2015
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 10-Q, Quarterly Report May 04 2015
10-K for First Niagara Financial Group, Inc. May 03 2015
Five things to know today, and apparently everyone in Pennsylvania wants to work from home Apr 30 2015
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 29 2015
First Niagara to change process for director election Apr 29 2015
First Niagara Financial Group, Inc. Annual Meeting of Shareholders Conference Call Available April... Apr 27 2015
Market on Elmwood opens second location and may add a third Apr 27 2015
First Niagara waiting to hear from regulators on 'process issue' Apr 24 2015

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