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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

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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

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» FNFG's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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)
Keeley Asset Management Corp Sold Out
Robert Olstein 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
Q3 2016

FNFG Guru Trades in Q3 2016

George Soros Sold Out
HOTCHKIS & WILEY Sold Out
Barrow, Hanley, Mewhinney & Strauss Sold Out
Diamond Hill Capital Sold Out
Mario Gabelli Sold Out
Kahn Brothers Sold Out
Jim Simons Sold Out
Arnold Schneider Sold Out
» 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:BPOP, NYSE:BOH, NAS:UMBF, NAS:CATY, NYSE:BKU, NAS:CHFC, NYSE:ASB, NAS:MBFI, NAS:UBSI, NAS:FULT, NAS:IBKC, NAS:FHB, NAS:HOMB, XPTY:EGIN, NYSE:VLY, NAS:FFIN, NYSE:TCF, NAS:HBHC, NAS:GBCI, NYSE:BXS » details
Traded in other countries:FNA.Germany,
Headquarter Location:USA
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

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Dividend & Buy Back

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Dividend Yield % 3.14
FNFG's Dividend Yield % is ranked higher than
62% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. FNFG: 3.14 )
Ranked among companies with meaningful Dividend Yield % only.
FNFG' s Dividend Yield % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.14
Current: 3.14
0
3.14
Dividend Payout Ratio 0.60
FNFG's Dividend Payout Ratio is ranked lower than
83% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FNFG: 0.60 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FNFG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.6
Current: 0.6
0
0.6
Forward Dividend Yield % 3.14
FNFG's Forward Dividend Yield % is ranked higher than
58% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. FNFG: 3.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.14
FNFG's 5-Year Yield-on-Cost % is ranked lower than
51% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. FNFG: 3.14 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FNFG' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.14
Current: 3.14
0
3.14

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $1,379.73
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 without NRI ($) 0.61 0.63
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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