Market Read®

  • Monday, July 14 2014

This prediction has passed its maturity date!

This prediction was valid between March 18, 2013 and April 18, 2013. All information in this report is for reference only and should not be considered forward looking.

(NASDAQ: FNFG)

First
Niagara
Financial Group Inc.


Bearish

First Niagara Financial Group, Inc. operates as the bank holding company for First Niagara Bank, N.A. that provides retail and commercial banking, and other financial services to individuals, families, and businesses. Its retail deposit products include savings, negotiable order of withdrawal, checking, money market, and certificate of deposit accounts; and commercial deposit products consist of business savings and checking, money market, and cash management accounts, as well as municipal deposits. The company s loan portfolio comprises commercial business loans; commercial real estate and multi-family lending; residential real estate lending; home equity lending; consumer loans, such as personal secured and unsecured loans, automobile loans, and overdraft lines of credit; indirect automobile lending; and credit cards. It also provides wealth management services to manage client funds utilizing various third party investment vehicles consisting of separately managed accounts, bonds, exchange traded funds, and mutual funds, as well as provides retirement planning, education funding and wealth protection products and services, such as stocks, bonds, mutual funds, annuities, life insurance, long term care insurance, and advisory products. In addition, the company sells insurance products, including business and personal insurance, and surety bonds, as well as life, disability, and long-term care coverage products. Further, it offers risk management advisory services comprising alternative risk and self-insurance, claims investigation and adjusting, and third party administration of self-insured workers compensation plans. As of January 9, 2014, the company operated 420 branches in New York, Pennsylvania, Connecticut, and Massachusetts. First Niagara Financial Group, Inc. was founded in 1870 and is headquartered in Buffalo, New York.

Investment Highlights

  • EARNINGS predicts that FNFG will move down -3.34% by April 18, 2013. The target is $8.36. more
  • PATTERN SCAN predicts the price of FNFG expected to move down in the coming weeks based on the appearance of a 'Resistance Break(1)' pattern. Specifically, a ACT EOD variant of Resistance Break(1) has been detected. The target is $8.12. more

Predictive Range March 15, 2013 - April 18, 2013

Anticipated price movement, between prediction date and target date, based on all market reads.
$8.60 - $8.24

How WealthMakers Market Reads Work:

WealthMakers Market Reads™ provide you with market performance predictions based on proprietary technologies, trading algorithms and data to help you make better, more informed investment decisions. Here's a quick review of our predictive technologies:

  • EARNINGS Most stock price histories show random or unpredictable movements around earnings reports. But some repeat the same pattern quarter after quarter, year after year. Earnings predicts probability, price move and length of move before and after all US stock earnings reports.
  • FRICTION FACTOR Friction Factor is based on the relationship between the price of a stock and the volume at which it's bought and sold. Normal and abnormal Friction factor patterns can help you time your buying and selling decisions for maximum earnings potential.
  • GATS The Global Automated Trading System (GATS) combines neural networks and genetic algorithms to reduce investment risks. GATS selects the highest probability trades in stocks, bonds, options, commodities, currencies and private equities, delivering precise, predictive and profitable data.
  • GROUP SECTOR Certain institutions can exert buying or selling pressure over an entire industry group, pushing prices higher. Group Sector identifies stocks that most closely match their group's movement and generate powerful group consensus trading signals to help you profit from the herd mentality.
  • PATTERN SCAN This technology automatically tracks "Trigger Events" that positively or negatively affect the value of a stock — or its perceived value among analysts — ranging from price fluctuations to natural disasters and political shifts. The results reveal patterns that can predict market movements.
  • EVENTS Events describe the current technical situation in your stock. It displays the technicals, trend conditions and seasonal factors and automatically discovers how that stock has performed in the trading days following the occurrences of the event or combination of events. This technology automatically scans using complex historical queries based on what event is taking place right now in the stock. It then displays the probability, expected return and number of trading days for the expected move.
  • RegSHO NAKED SHORTS SEC Regulation SHO mandates that if a clearing agent holds a fail-to-deliver position for 13 consecutive settlement days, it must purchase securities to close out its position, a.k.a. a forced cover. WealthMakers aggregates data from NYSE, AMEX, NASDAQ, OTCBB and PINKSHEETS to track stocks that are about to have forced covers.
  • SEASONALITY Seasonality analyzes more than 20 years of data to determine if stocks have a long or short seasonal bias, how many trading days the move is expected to last, the probability of that move and the percentage move the stock is expected to make based on the seasonal bias.
  • SQUEEZE TRIGGER Our proprietary database of more than 3,500,000,000 short sale transactions allows us to calculate the exact price at which the total short interest is short in each stock. Squeeze Trigger Alerts let you know exactly when a short squeeze will start and how to trade profitably.
  • VALUATION A stock's value is a function of its forecasted earnings per share and forecasted earnings growth, as well as profitability, interest and inflation rates. Valuation use these metrics to determine at what price a stock is undervalued or overvalued, so that you can make investment decisions accordingly.
  • INSIDER Significant stock sales or purchases by company "insiders" (officers or directors) can be a predictor of future price movements — up or down. The Insider strategy tracks these actions and correlates them with historical data to give you an investment edge.

Earnings

 

Predicts probability, price move and length of move before and after earnings reports.

The movement of stock prices in the days and weeks leading to and following these earnings announcements may follow a predictable pattern. Most companies stock price histories show random or unpredictable movements around earnings dates. But some seem to repeat the same pattern quarter after quarter, year after year. The # of Reports in the table below shows how many previous quarterly reports comprise the indicator that predicts how a stock will act after its earnings are released.
Earnings, or profits, drive stock prices. The market values a company based on its current and anticipated future ability to make money. The market takes the earnings pulse of a company four times per year when quarterly reports are issued. When this information is released it can often be a trend-changing or a trend confirming event because the information is so vital to the market's perception of the vitality of that company.
This technology is designed to help the stock trader identify those companies that seem to have a consistent pattern of movement before or after the earnings release date, based on the history

  • FNFG, currently trading around 8.64 expected to hit $8.36.
  • The price of FNFG tends to move down before earnings report dates.
  • Of the previous 5 earnings releases, FNFG has moved down 100% of the time.

Pattern Scan

 

Tracks "Trigger Events" that positively or negatively affect the value of a stock.

First Niagara Financial Group Inc. (NASDAQ: FNFG) is predicted to go down in coming weeks based on bearish technical trends that have appeared in the recent performance of the stock. FNFG has demonstrated Resistance Break(1) strategy ACT EOD with a strength of 5.0/5. The higher the strength, the higher the probability of an accurate prediction.

  • The price of FNFG expected to move down in the coming weeks.
  • PatternScan has detected that a 'ACT EOD' pattern has appeared.
  • Specifically, a ACT EOD variant of Resistance Break(1) has been detected.
  • This indicates a high probablity that FNFG will move down in the coming weeks.

Squeeze Trigger

 

We have a proprietary database of all trading in US stocks and maintain massive databases of short sale and naked short sale time and sales data, along with short squeeze SqueezeTrigger prices. We are the only firm that knows the exact price that a short squeeze will start in every US stock.

The Cumulative Squeeze Trigger price for FNFG is 10.62.

Date Short Volume Short Value SqueezeTrigger
2014-07-31 3810956 33564994.97 8.8075
2014-06-30 12664613 110610197.019 8.7338
2014-05-31 13214629 114206109.67 8.6424
2014-04-30 17965204 164827153.659 9.1748
2014-03-31 17235180 159022111.788 9.2266
2014-02-28 23726894 205531846.586 8.6624
2014-01-31 10649653 109608358.607 10.2922
2013-12-31 15910650 169491381.255 10.6527
2013-11-30 3010100 33158659.58 11.0158
2013-10-31 23112621 250570858.047 10.8413
2013-09-30 21457045 218349035.625 10.1761
2013-08-31 13685307 145415966.59 10.6257
2013-07-31 26184285 270219202.771 10.3199
2013-06-30 17992146 176299641.01 9.7987
2013-05-31 21790386 211933294.236 9.726
2013-04-30 29569868 266111070.079 8.9994
2013-03-31 9981975 82816453.785 8.2966
2013-02-28 20281793 162836431.459 8.0287
2013-01-31 21943066 177446991.822 8.0867
2012-12-31 14451767 112404398.549 7.7779

Friction Factor

 

Friction Factor determines if there is normal or abnormal behavior in the price action of the stock when compared to the buying vs. selling trading statistics. It shows us how many more shares of buying than selling it takes to move a stock higher by 1 cent, or how many more shares of selling than buying it takes to drop a stock by 1 cent.
Here is how to understand Friction Factor:

  • If Friction Factor is positive, more buying than selling caused FNFG's price to rise
  • If Friction Factor is negative, more selling than buying caused FNFG's price to fall
  • If Friction Factor is 0, there was no discernable activity either way
  • If Friction Factor is abnormal, it means that more buying than selling caused the price to drop which is evidence of manipulative activity. In some cases more selling than buying can cause the price to increase. While this is rare, it must be noted as well. Friction Factor raw data.

Date Change Buy Vol Sell Vol Net Vol Friction
2014-07-09 -0.02 1045122 981146 63976 Bearish Bias
2014-07-07 -0.04 713113 967638 -254525 -63631.25
2014-07-03 0.12 1519751 1222327 297424 24785.33333
2014-07-02 0.01 1072606 1111044 -38438 Bullish Bias
2014-07-01 0.06 2410137 2224455 185682 30947
2014-06-30 0.04 2267456 1799550 467906 116976.5
2014-06-27 0.05 2126910 1912031 214879 42975.8
2014-06-26 0.04 858461 1299971 -441510 Bullish Bias
2014-06-25 0.0 1443594 1666847 -223253 Bullish Bias
2014-06-24 -0.09 1622553 1820835 -198282 -22031.33333
2014-06-23 0.03 779434 1164423 -384989 Bullish Bias
2014-06-20 -0.01 3185414 2109866 1075548 Bearish Bias
2014-06-19 -0.09 1017191 1654101 -636910 -70767.77778
2014-06-18 -0.03 2277484 1852182 425302 Bearish Bias
2014-06-17 0.11 1873325 2105908 -232583 Bullish Bias
2014-06-16 -0.07 925719 876518 49201 Bearish Bias
2014-06-13 -0.03 1601478 1328403 273075 Bearish Bias
2014-06-12 -0.03 993226 1135657 -142431 -47477
2014-06-11 -0.14 855515 1024161 -168646 -12046.14286
2014-06-10 -0.07 959932 1038160 -78228 -11175.42857

General Results

 

Past success in predictions regarding all predictions on the WealthMakers platform.

Our prediction engine has a track record that is second to none. See for our results.

Read Type Avg Return Avg Maturity Days Hits Misses % Accurate
Insider 15.14 73.22 9094 472 95.07%
SqueezeTrigger 12.746 22.38 7780 471 94.29%
Group Correlation 7.358 15.0 1309 86 93.84%
Valuation 14.484 26.96 4201 302 93.29%
Seasonality 7.455 15.2 42634 4138 91.15%
PatternScan 8.448 11.36 133678 19298 87.38%
Events 6.937 11.19 3396 544 86.19%
GATS 5.386 7.94 45118 8572 84.03%
Earnings 8.677 10.28 21694 4355 83.28%
Naked Shorts 14.525 10.84 2232 589 79.12%
Friction Factor 7.506 3.63 5606 1607 77.72%

About Wealthmakers

WealthMakers gives institutional and individual investors an exclusive advantage in making precise, predictive and profitable trading decisions. Our proprietary technologies — Earnings, Seasonality, Squeeze Trigger, Group Sector and GATS — apply artificial intelligence, proprietary algorithms, market data and research to help our clients realize exponential returns. Find out more at WealthMakers.com.

All material herein was prepared by WealthMakers, based upon information believed to be reliable. The information contained herein is not guaranteed by WealthMakers to be accurate, and should not be considered to be all-inclusive. The companies that are discussed in this opinion have not approved the statements made in this opinion. This opinion contains forward-looking statements that involve risks and uncertainties. This material is for informational purposes only and should not be construed as an offer or solicitation of an offer to buy or sell securities. WealthMakers is not a registered investment advisor in the State of California. Please consult a broker before purchasing or selling any securities viewed on or mentioned herein. WealthMakers or its affiliates may receive compensation from independent third parties, or from the companies mentioned, for data provided in this report or related services. WealthMakers affiliates, officers, directors and employees do not own shares of the company mentioned in this report, but may from time to time buy/sell the shares discussed in this opinion and may profit from those trades. Market commentary provided by Thomas Ronk, a registered investment advisor and commodities trading advisor in California. WealthMakers will not advise as to when it decides to sell and does not and will not offer any opinion as to when others should sell; each investor must make that decision based on his or her judgment.

All Rights Reserved. Copyright 2011 WealthMakers

Overview
Last Price$8.64
52 Week Range$8.19 - $11.34
1 Month Range$8.50 - $8.98
Avg Daily Volume3068685.0
PE Ratio12.03
 
Earnings Per Share
YearEPS
2014(E)$0.73
 
Capitalization
Shares Outstanding350MM
Market Capitalization$3115.00MM
 
 

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