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Fulton Financial Corporation

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
$3.17B
P/E (TTM)
12.3
13.6
Dividend Yield
4.1%
52W High
$22.49
52W Low
$14.33
52W Range
38%
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: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$481.21M-2.63%
4-Quarter Trend

EPS

$0.00+0.00%
4-Quarter Trend

FCF

$115.31M-483.71%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong 9M YTD Earnings Growth Nine months net income available to common shareholders rose to $285.0M, up $72.5M year-over-year, reflecting strong operational performance.
Net Interest Margin Expansion FTE NIM increased 7 bps to 3.49% for nine months 2025; total FTE net interest income grew $63.2M year-over-year.
Asset Quality Shows Improvement Non-performing loan ratio improved to 0.83% as of September 30, 2025, down from 0.92% at year-end 2024; non-accruals fell $39.2M YTD.
Capital Strength and Efficiency Gains Common Equity Tier 1 ratio stands strong at 11.6% for September 30, 2025; operating efficiency improved to 56.8% YTD.

Risk Factors

CRE Loan Portfolio Concentration Commercial mortgage and construction loans comprise a majority of the loan portfolio, exposing results to potential credit risk concentration.
Interest Rate Sensitivity Exposure Fluctuations in market interest rates continue to create exposure impacting net interest income and economic value of equity.
Extensive Regulatory Compliance Burden Corporation is subject to extensive regulation and supervision, requiring significant time and expense for ongoing compliance and risk management.
Goodwill Impairment Potential Possible goodwill impairment charges exist if future operational results or growth strategies do not meet current expectations.

Outlook

NIM Sensitivity to Rates Future NIM performance depends on managing interest rate sensitivity and competition affecting deposit and loan pricing dynamics.
Achieving Strategic Growth Plans Management focuses on achieving stated growth plans and realizing anticipated expense reductions from strategic initiatives implemented recently.
Share Repurchase Program Execution The 2025 Repurchase Program authorizes up to $125.0M in common stock buybacks, with $85.6M remaining capacity as of September 30, 2025.
Credit Loss Provisioning Strategy ACL determination relies on judgments regarding loan portfolio performance and economic conditions, potentially requiring future adjustments.

Peer Comparison

Revenue (TTM)

Banco Macro S.A.BMA
$4.78B
-14.6%
Webster Financial CorporationWBS
$4.34B
+5.1%
Fulton Financial CorporationFULT
$1.90B
+11.1%

Gross Margin (Latest Quarter)

First Interstate BancSystem, Inc.FIBK
100.0%
+38.0 pp
WSFS Financial CorporationWSFS
73.3%
+4.7 pp
Webster Financial CorporationWBS
61.0%
+5.1 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
WBS$9.41B10.010.0%1.5%
BMA$5.06B15.311.5%0.0%
ASB$4.10B23.23.7%9.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.2%
Flat Growth
4Q Net Income CAGR
+13.5%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 7, 2025|
    Revenue: $481.21M-2.6%
    |
    EPS: $0.00+0.0%
    N/A

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $471.91M+11.0%
    |
    EPS: $0.53+0.0%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $466.88M+17.7%
    |
    EPS: $0.50+38.9%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 28, 2025|
    Revenue: $1.80B+20.0%
    |
    EPS: $1.59-4.2%
    Meet

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 8, 2024|
    Revenue: $494.22M+27.9%
    |
    EPS: $0.33-21.4%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 8, 2024|
    Revenue: $425.27M+13.3%
    |
    EPS: $0.53+15.2%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 9, 2024|
    Revenue: $396.81M+16.2%
    |
    EPS: $0.36-7.7%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 1, 2024|
    Revenue: $1.50B+37.5%
    |
    EPS: $1.66-1.8%
    Meet