Fulton Financial Corporation

NASDAQ•FULT

CEO: Mr. Curtis J. Myers

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1985-09-03

Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services in Pennsylvania, Delaware, Maryland, New Jersey, and Virginia. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company offers consumer loans products, including home equity loans and lines of credit, automobile loans, personal lines of credit, and checking account overdraft protection; construction and jumbo residential mortgage loans; and commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it offers letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns trust preferred securities; and sells various life insurance products. It provides its products and services through financial center offices, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. Fulton Financial Corporation was founded in 1882 and is headquartered in Lancaster, Pennsylvania.

Contact Information

One Penn Square, P. O. Box 4887, Lancaster, PA, 17604, United States

717-291-2411

www.fultonbank.com

Market Cap

$4.23B

P/E (TTM)

10.3

15.6

Dividend Yield

3.4%

52W High

$22.99

52W Low

$15.52

52W Range

87%

Rank40Top 42.0%

4.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$471.79M-2.60%

4-Quarter Trend

EPS

$0.53+47.22%

4-Quarter Trend

FCF

$73.14M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Rises Significantly Net income available to common shareholders reached $381.4M in 2025, a substantial $102.9M increase year-over-year.

NIM Expansion Continues FTE Net Interest Margin improved by nine basis points to 3.51% in 2025, driven by balance sheet growth and Republic First impact.

Asset Quality Shows Strength Non-performing assets ratio improved to 0.58% from 0.69% in 2024; provision for credit losses decreased to $35.7M.

Capital Ratios Remain Robust CET1 capital ratio stood at 12.6% as of year-end 2025, significantly exceeding the minimum regulatory requirement plus buffer.

Risk Factors

Economic Headwinds Persist Adverse economic conditions, including inflation and high interest rates, could negatively impact loan portfolio quality and demand.

High CRE Concentration Risk Commercial mortgage and construction loans comprise 44.7% of the loan portfolio, exposing the firm to elevated credit risk.

Interest Rate Volatility Impact Future interest rate movements pose risk to Net Interest Income, with simulations showing potential NII changes up to $59.0M from shocks.

Cybersecurity Threat Environment The volatile and dynamic cybersecurity threat environment requires continuous investment to protect sensitive customer data and systems.

Outlook

Blue Foundry Merger Integration The expected merger closing around April 1, 2026, requires managing significant integration costs and realizing anticipated synergies.

Future NIM Uncertainty The timing and magnitude of future Federal Reserve rate changes remain uncertain, directly influencing future Net Interest Margin performance.

Ongoing Capital Deployment The 2026 Repurchase Program authorizes up to $150.0M for common stock and subordinated notes repurchases.

Regulatory Compliance Costs The firm anticipates continued high costs associated with extensive federal and state banking laws and regulatory supervision.

Peer Comparison

Revenue (TTM)

BMA

$4.01T

-43.6%

ZION

$4.94B

-0.8%

WBS

$4.42B

+5.8%

Gross Margin (Latest Quarter)

FIBK

97.7%

+36.7pp

WSFS

75.9%

+2.6pp

FHB

74.6%

+30.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
WBS	$11.83B	11.7	10.7%	5.1%
ZION	$9.28B	10.3	13.3%	4.9%
BMA	$5.24B	47.5	4.7%	6.4%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.3%

Moderate Growth

4Q Net Income CAGR

2.1%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 21, 2026

EPS:$0.50

Revenue:$334.54M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data