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First Niagara Financial Group, Inc. operates as the holding company for First Niagara Bank that provides retail and commercial banking, and financial services to individuals, families, and businesses. It offers retail deposit accounts, which consist of savings, negotiable order of withdrawal, checking, money market, and certificate of deposit accounts, as well as provides commercial account comprising business savings and checking, money market, and cash management accounts, as well as municipal deposit account. The company's loan portfolio includes commercial real estate and multi-family loans; commercial business loans comprising term loans, letters of credit, and lines-of-credit; residential real estate loans; home equity loans; consumer loans consisting of indirect mobile home loan, and personal secured and unsecured loans; and specialized lending loans, including commercial leases and insurance premium financing. In addition, First Niagara Financial Group provides risk management services, including claims investigation and adjusting services, third party administration of self insured workers compensation plans, and alternative risk management services, as well as self insurance consulting services. Further, it offers employee benefits plan and compensation consulting services. Additionally, the company provides wealth management services that manage client funds utilizing various third party investment vehicles comprising stocks, bonds, mutual funds, and annuities, as well as other investment products, such as individual retirement accounts, education savings plans, and retirement plans. As of December 31, 2008, it operated 114 bank branches in 21 counties that span across Upstate New York. The company was founded in 1870 and is based in Lockport, New York.

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Key Statistics

Closing Price	9.56
Volume	(mio) 4.46
Volume Avg	(mio) 4.96
52 Week High	14.54
52 Week Low	8.22
PE	14.67
PE (group average)	27
EPS Year	0.64
EPS change Q/Q	0%
EPS change Q/Q Yr ago	37.5%
EPS change Q/Q next Q est	-8.33%
EPS change Y/Y	-38.16%
REV change Q/Q	0.62%
REV change Q/Q Yr ago	43.8%
EPS next Q est	0.24
EPS next Y est	1.09
Divident Annual	0.56
Dividend Yield	5.86%