FIRST NIAGARA FINANCIAL GROUP INC
Financials · National Commercial Banks · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $224.0M | −$715.0M | $295.0M | $168.0M | $174.0M | $140.4M |
| Total assets | $39.92B | $38.55B | $37.63B | $36.81B | $32.81B | $21.08B |
| Total liabilities | $35.79B | $34.46B | $32.63B | $31.88B | $28.01B | $18.32B |
| Equity | $4.13B | $4.09B | $4.99B | $4.93B | $4.80B | $2.77B |
| EPS (diluted) | $0.54 | $-2.13 | $0.75 | $0.40 | $0.64 | $0.70 |
| Shares out. | 353.3M | 353.9M | 352.6M | 351.8M | 209.4M | 200.6M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.4%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.7%
- Debt / equity
- 8.67×
- Book value / share
- $11.68
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2015- Accruals / assets
- −0.4%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Feb 27, 2015
- NT 11-Kmissed a reporting deadline ↗Jun 28, 2011
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| White KateOfficer — EVP, Managing Dir HR | Aug 1, 2016 | D | 46,029 | — |
| Barry Richard MOfficer — EVP, Chief Risk Officer | Aug 1, 2016 | D | 190,326 | — |
| Brickley LiamOfficer — SVP, Chief Credit Officer | Aug 1, 2016 | D | 91,687 | — |
| Dempsey Brian MOfficer — Principal Accounting Officer | Aug 1, 2016 | D | 15,724 | — |
| Norwood Gregory WOfficer — SEVP, Chief Financial Officer | Aug 1, 2016 | D | 296,929 | — |
| Signorille JulieOfficer — Managing Director Operations | Aug 1, 2016 | D | 81,656 | — |
| Harnett SusanDirector | Aug 1, 2016 | D | 18,559 | — |
| Saffire JosephOfficer — Managing Director, Head of Com | Aug 1, 2016 | D | 114,251 | — |
| Philip George MDirector | Aug 1, 2016 | D | 87,265 | — |
| Highsmith Carlton LDirector | Aug 1, 2016 | D | 87,718 | — |
| Woodson Nathaniel DDirector | Aug 1, 2016 | D | 205,171 | — |
| Crosby Gary MOfficer — President & CEO | Aug 1, 2016 | D | 578,133 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsAug 1, 2016
- Other material eventJul 29, 2016
- Results of operationsJul 29, 2016
- Other material eventJul 12, 2016
- Item 5.04Jun 24, 2016
- Results of operationsApr 29, 2016
- Other material eventApr 28, 2016
- Shareholder voteMar 23, 2016
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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