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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 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 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: 0.1 Max: N/A
Current: 0.07
Equity to Asset 0.11
FNFG's Equity to Asset is ranked higher than
61% of the 1593 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 Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.21
Current: 0.11
0.09
0.21
Interest Coverage 1.77
FNFG's Interest Coverage is ranked higher than
51% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. FNFG: 1.77 )
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: 1.77
0.63
3.6
F-Score: 4
M-Score: -2.86
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 (%) 20.23
FNFG's Operating margin (%) is ranked lower than
74% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. FNFG: 20.23 )
Ranked among companies with meaningful Operating margin (%) only.
FNFG' s Operating margin (%) Range Over the Past 10 Years
Min: -59.14  Med: 25.78 Max: 38.97
Current: 20.23
-59.14
38.97
Net-margin (%) 14.89
FNFG's Net-margin (%) is ranked lower than
73% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. FNFG: 14.89 )
Ranked among companies with meaningful Net-margin (%) only.
FNFG' s Net-margin (%) Range Over the Past 10 Years
Min: -51.25  Med: 17.04 Max: 25.68
Current: 14.89
-51.25
25.68
ROE (%) 4.19
FNFG's ROE (%) is ranked lower than
79% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. FNFG: 4.19 )
Ranked among companies with meaningful ROE (%) only.
FNFG' s ROE (%) Range Over the Past 10 Years
Min: -16.42  Med: 5 Max: 6.65
Current: 4.19
-16.42
6.65
ROA (%) 0.52
FNFG's ROA (%) is ranked lower than
71% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FNFG: 0.52 )
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: 0.52
-1.88
1.15
EBITDA Growth (3Y)(%) 6.50
FNFG's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. FNFG: 6.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FNFG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.2 Max: 49.8
Current: 6.5
0
49.8
EPS Growth (3Y)(%) 10.50
FNFG's EPS Growth (3Y)(%) is ranked higher than
61% of the 1206 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: 2.3 Max: 22.1
Current: 10.5
0
22.1
» FNFG's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-23)


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

» Details

Guru Trades

Q3 2015

FNFG Guru Trades in Q3 2015

Keeley Asset Management Corp 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
Keeley Asset Management Corp 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
Q2 2016

FNFG Guru Trades in Q2 2016

George Soros 16,200 sh (New)
Jim Simons 4,780,225 sh (+76.28%)
Arnold Schneider 2,937,593 sh (+39.17%)
Mario Gabelli 756,810 sh (+6.62%)
Diamond Hill Capital 689,726 sh (unchged)
David Dreman Sold Out
HOTCHKIS & WILEY 7,071,584 sh (-5.19%)
Barrow, Hanley, Mewhinney & Strauss 7,633,760 sh (-50.76%)
Kahn Brothers 15,853 sh (-71.39%)
» 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
FNFGPRB25.898.33

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FMER, NAS:PVTB, NAS:UMPQ, NYSE:FHN, NYSE:WBS, NYSE:PB, NAS:FCNCA, NYSE:WAL, NAS:BPOP, NYSE:BKU, NYSE:SNV, NAS:HOMB, NYSE:BOH, NAS:UMBF, NAS:UBSI, NYSE:ASB, NAS:MBFI, NAS:WTFC, NAS:IBKC, NYSE:CFR » 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) 20.78
FNFG's P/E(ttm) is ranked lower than
79% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. FNFG: 20.78 )
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: 20.78
11.38
31.48
Forward P/E 16.84
FNFG's Forward P/E is ranked lower than
79% of the 370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. FNFG: 16.84 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.78
FNFG's PE(NRI) is ranked lower than
80% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. FNFG: 20.78 )
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: 20.78
11.38
31.48
Price/Owner Earnings (ttm) 14.42
FNFG's Price/Owner Earnings (ttm) is ranked lower than
59% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. FNFG: 14.42 )
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: 13.98 Max: 21.49
Current: 14.42
9.09
21.49
P/B 0.94
FNFG's P/B is ranked higher than
59% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 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 2.57
FNFG's P/S is ranked higher than
59% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FNFG: 2.57 )
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: 2.57
1.77
5.17
PFCF 11.31
FNFG's PFCF is ranked lower than
54% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. FNFG: 11.31 )
Ranked among companies with meaningful PFCF only.
FNFG' s PFCF Range Over the Past 10 Years
Min: 4.64  Med: 10.97 Max: 105.25
Current: 11.31
4.64
105.25
POCF 8.93
FNFG's POCF is ranked higher than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. FNFG: 8.93 )
Ranked among companies with meaningful POCF only.
FNFG' s POCF Range Over the Past 10 Years
Min: 4.2  Med: 10.81 Max: 23.26
Current: 8.93
4.2
23.26
EV-to-EBIT 31.65
FNFG's EV-to-EBIT is ranked lower than
86% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. FNFG: 31.65 )
Ranked among companies with meaningful EV-to-EBIT only.
FNFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -11.2  Med: 21.7 Max: 50.9
Current: 31.65
-11.2
50.9
EV-to-EBITDA 23.88
FNFG's EV-to-EBITDA is ranked lower than
83% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. FNFG: 23.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
FNFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.4  Med: 17.9 Max: 41.7
Current: 23.88
-12.4
41.7
Shiller P/E 23.97
FNFG's Shiller P/E is ranked lower than
72% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. FNFG: 23.97 )
Ranked among companies with meaningful Shiller P/E only.
FNFG' s Shiller P/E Range Over the Past 10 Years
Min: 9.6  Med: 18.32 Max: 29.53
Current: 23.97
9.6
29.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.14
FNFG's Dividend Yield is ranked higher than
55% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. FNFG: 3.14 )
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: 3.14
2.4
7.65
Dividend Payout 0.60
FNFG's Dividend Payout is ranked lower than
83% of the 1316 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 3.14
FNFG's Forward Dividend Yield is ranked higher than
51% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. FNFG: 3.14 )
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
79% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 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 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.46
FNFG's Price/Tangible Book is ranked lower than
68% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FNFG: 1.46 )
Ranked among companies with meaningful Price/Tangible Book only.
FNFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.12  Med: 1.74 Max: 4.12
Current: 1.46
1.12
4.12
Price/Projected FCF 0.59
FNFG's Price/Projected FCF is ranked higher than
60% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 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
81% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 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 1.16
FNFG's Price/Graham Number is ranked lower than
74% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FNFG: 1.16 )
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: 1.16
0.81
5.97
Earnings Yield (Greenblatt) (%) 3.20
FNFG's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FNFG: 3.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNFG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2  Med: 4.5 Max: 6.6
Current: 3.2
2
6.6
Forward Rate of Return (Yacktman) (%) 9.94
FNFG's Forward Rate of Return (Yacktman) (%) is ranked lower than
56% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. FNFG: 9.94 )
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: 3.1 Max: 29.7
Current: 9.94
-7.8
29.7

More Statistics

Revenue (TTM) (Mil) $1,380
EPS (TTM) $ 0.49
Short Percentage of Float1.49%
52-Week Range $8.54 - 11.22
Shares Outstanding (Mil)354.89

Analyst Estimate

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

Headlines

Articles On GuruFocus.com
Small Bank Earnings Are Here: What to Watch Feb 02 2016 
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 
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 

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How Clint Carlson Played Major Finance Stocks Last Quarter Aug 28 2016
M&T Bank spotlights four WNY businesses in new ad campaign Aug 24 2016
Former First Niagara director joins community bank board Aug 24 2016
Job training next step in KeyCorp takeover of First Niagara Aug 24 2016
KeyCorp hires 50 former First Niagara workers as part of commercial real estate expansion Aug 18 2016
KeyCorp closes acquisition of First Niagara Aug 09 2016
KeyCorp chooses Capital Region market leadership Aug 09 2016
Northwest cleared by fed agency to pick up 18 bank branches Aug 09 2016
KeyCorp names local leadership team after completing First Niagara deal Aug 08 2016
First Niagara Center begins transformation into KeyBank Center Aug 04 2016
KeyBank sets new executive team to oversee Buffalo market Aug 03 2016
Four insurance brokers in WNY make top 100 list Aug 02 2016
What's next for KeyCorp now that First Niagara acquisition is done Aug 01 2016
First Niagara Bank, N.A. -- Moody's upgrades First Niagara (senior to Baa1) following acquisition by... Aug 01 2016
Done deal: KeyCorp completes legal acquisition of First Niagara Aug 01 2016
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 8-K, Completion of Acquisition or Disposition of... Aug 01 2016
Done deal: KeyCorp completes legal acquisition of First Niagara Jul 29 2016
FIRST NIAGARA FINANCIAL GROUP INC Files SEC form 8-K, Other Events Jul 29 2016
KeyCorp Closes Acquisition Of First Niagara Financial Group Jul 29 2016
First Niagara's 2Q performance affected by merger-related charges Jul 29 2016

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