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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 higher than
50% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 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
79% of the 2028 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 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 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 : 6/10

vs
industry
vs
history
Operating margin (%) -58.69
FNFG's Operating margin (%) is ranked lower than
52% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. FNFG: -58.69 )
FNFG' s 10-Year Operating margin (%) Range
Min: -221.76   Max: 42.62
Current: -58.69

-221.76
42.62
Net-margin (%) -51.04
FNFG's Net-margin (%) is ranked lower than
52% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. FNFG: -51.04 )
FNFG' s 10-Year Net-margin (%) Range
Min: 12.15   Max: 135.73
Current: -51.04

12.15
135.73
ROE (%) -15.30
FNFG's ROE (%) is ranked lower than
52% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. FNFG: -15.30 )
FNFG' s 10-Year ROE (%) Range
Min: 3.45   Max: 11.32
Current: -15.3

3.45
11.32
ROA (%) -1.87
FNFG's ROA (%) is ranked lower than
52% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNFG: -1.87 )
FNFG' s 10-Year ROA (%) Range
Min: 0.48   Max: 1.41
Current: -1.87

0.48
1.41
ROC (Joel Greenblatt) (%) -17.44
FNFG's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. FNFG: -17.44 )
FNFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.31   Max: 121.43
Current: -17.44

10.31
121.43
Revenue Growth (3Y)(%) 2.10
FNFG's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 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 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 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
69% 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

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)
Third Avenue Management Sold Out
Jim Simons 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
Q4 2014

FNFG Guru Trades in Q4 2014

Arnold Schneider 1,483,239 sh (New)
Jim Simons 866,717 sh (New)
David Dreman 1,287,277 sh (+27.2%)
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 24,474,581 sh (-0.33%)
John Keeley 41,600 sh (-2.58%)
Mario Gabelli 786,440 sh (-2.88%)
Irving Kahn 134,045 sh (-2.9%)
Diamond Hill Capital 734,730 sh (-70.83%)
» 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
Arnold Schneider 2014-12-31 New Buy1.5%$7.3 - $8.5 $ 8.8210%1483239
Richard Snow 2014-12-31 Add 9.45%0.24%$7.3 - $8.5 $ 8.8210%10903431
David Dreman 2014-12-31 Add 27.2%0.19%$7.3 - $8.5 $ 8.8210%1287277
Joel Greenblatt 2014-12-31 Sold Out $7.3 - $8.5 $ 8.8210%0
John Burbank 2014-12-31 Sold Out $7.3 - $8.5 $ 8.8210%0
Robert Olstein 2014-09-30 New Buy0.66%$8.38 - $9.005 $ 8.822%610000
HOTCHKIS & WILEY 2014-09-30 Add 21.91%0.02%$8.38 - $9.005 $ 8.822%3759500
John Burbank 2014-09-30 New Buy$8.38 - $9.005 $ 8.822%11813
Richard Snow 2014-06-30 Add 17.91%0.44%$8.44 - $9.55 $ 8.820%9601679
Richard Snow 2014-03-31 Add 20.6%0.51%$8.22 - $10.62 $ 8.82-5%8143448
David Dreman 2014-03-31 Add 45.8%0.23%$8.22 - $10.62 $ 8.82-5%1014771
HOTCHKIS & WILEY 2014-03-31 Add 320.13%0.08%$8.22 - $10.62 $ 8.82-5%2877500
Third Avenue Management 2014-03-31 Sold Out $8.22 - $10.62 $ 8.82-5%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of First Niagara Financial Group Inc

SymbolPriceYieldDescription
FNFGPRB0.007.92

Ratios

vs
industry
vs
history
Forward P/E 12.79
FNFG's Forward P/E is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. FNFG: 12.79 )
N/A
P/B 0.83
FNFG's P/B is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. FNFG: 0.83 )
FNFG' s 10-Year P/B Range
Min: 0.56   Max: 1.44
Current: 0.83

0.56
1.44
P/S 2.18
FNFG's P/S is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. FNFG: 2.18 )
FNFG' s 10-Year P/S Range
Min: 1.82   Max: 6.11
Current: 2.18

1.82
6.11
PFCF 5.88
FNFG's PFCF is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNFG: 5.88 )
FNFG' s 10-Year PFCF Range
Min: 4.67   Max: 1341
Current: 5.88

4.67
1341
POCF 5.38
FNFG's POCF is ranked higher than
91% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. FNFG: 5.38 )
FNFG' s 10-Year POCF Range
Min: 4.19   Max: 25.52
Current: 5.38

4.19
25.52
EV-to-EBIT -10.53
FNFG's EV-to-EBIT is ranked higher than
50% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. FNFG: -10.53 )
FNFG' s 10-Year EV-to-EBIT Range
Min: -10.8   Max: 50.7
Current: -10.53

-10.8
50.7
Shiller P/E 51.44
FNFG's Shiller P/E is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNFG: 51.44 )
FNFG' s 10-Year Shiller P/E Range
Min: 10.29   Max: 52.41
Current: 51.44

10.29
52.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.63
FNFG's Dividend Yield is ranked higher than
75% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FNFG: 3.63 )
FNFG' s 10-Year Dividend Yield Range
Min: 1.7   Max: 7.65
Current: 3.63

1.7
7.65
Dividend Payout 0.43
FNFG's Dividend Payout is ranked higher than
70% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 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
62% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 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) 1.93
FNFG's Yield on cost (5-Year) is ranked lower than
57% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FNFG: 1.93 )
FNFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.91   Max: 4.11
Current: 1.93

0.91
4.11
Share Buyback Rate -20.40
FNFG's Share Buyback Rate is ranked higher than
55% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 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 1.34
FNFG's Price/Tangible Book is ranked higher than
76% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. FNFG: 1.34 )
FNFG' s 10-Year Price/Tangible Book Range
Min: 1.12   Max: 4.14
Current: 1.34

1.12
4.14
Price/DCF (Projected) 0.54
FNFG's Price/DCF (Projected) is ranked higher than
91% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. FNFG: 0.54 )
FNFG' s 10-Year Price/DCF (Projected) Range
Min: 0.49   Max: 1.89
Current: 0.54

0.49
1.89
Price/Median PS Value 0.58
FNFG's Price/Median PS Value is ranked higher than
98% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FNFG: 0.58 )
FNFG' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 3.16
Current: 0.58

0.52
3.16
Earnings Yield (Greenblatt) -9.50
FNFG's Earnings Yield (Greenblatt) is ranked lower than
55% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FNFG: -9.50 )
FNFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 6.6
Current: -9.5

2
6.6
Forward Rate of Return (Yacktman) 15.41
FNFG's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1289 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. FNFG: 15.41 )
FNFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.6   Max: 33.7
Current: 15.41

-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

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CEO doesn't anticipate more job cuts at First Niagara Jan 23 2015
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Q4 2014 First Niagara Financial Group Inc Earnings Release - Before Market Open Jan 23 2015
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