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FULTFulton Financial Corporation
$22.90$4.4B
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FULT logoFulton Financial Corporation(FULT)Earnings, Financials & Key Ratios

FULT•NASDAQ•Banking & Credit
11.0× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutFulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company also offers secured consumer loans, 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 provides 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 passive investments, as well as trust preferred securities; and sells various life insurance products. It provides its products and services through traditional financial center banking, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. The company operated branches in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia. Fulton Financial Corporation was incorporated in 1882 and is headquartered in Lancaster, Pennsylvania.Show more
  • Net Interest Income$1.04B+7.9%
  • Total Revenue$1.89B+5.0%
  • Net Income$392M+35.6%
  • Return on Equity11.71%+20.8%
  • Net Interest Margin3.23%+7.8%
  • Efficiency Ratio41.74%-4.4%
  • ROA1.22%+26.0%
  • Equity / Assets10.87%+9.0%
  • Book Value per Share19.04+5.6%

FULT Key Insights

Fulton Financial Corporation (FULT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 17.1%
  • ✓Efficient operations: 41.7% efficiency ratio
  • ✓Well capitalized: 10.9% equity/assets
  • ✓Healthy dividend yield of 3.4%
  • ✓Trading near 52-week high
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FULT Price & Volume

Fulton Financial Corporation (FULT) stock price & volume — 10-year historical chart

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FULT Growth Metrics

Fulton Financial Corporation (FULT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years9.46%
5 Years14.23%
3 Years20.09%
TTM-

Profit CAGR

10 Years10.11%
5 Years17.08%
3 Years10.92%
TTM35.63%

EPS CAGR

10 Years9.36%
5 Years14.01%
3 Years7.59%
TTM32.48%

Return on Capital

10 Years7.15%
5 Years7.9%
3 Years7.62%
Last Year9.54%

FULT Recent Earnings

Fulton Financial Corporation (FULT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (100%)●Beat Revenue 7/12 qtrs (78%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$0.55+10.0%
$0.50
Rev
$336M+0.6%
$334M
Q1 2026
Feb 27, 2026
Metric
Actual
Est
EPS
$0.54
—
Rev
$472M
—
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$0.55+5.8%
$0.52
Rev
$340M+1.2%
$336M
Q4 2025
Oct 21, 2025
Metric
Actual
Est
EPS
$0.55+13.2%
$0.49
Rev
$334M+0.7%
$332M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.55vs $0.50+10.0%
$336Mvs $334M+0.6%
Q1 2026Feb 27, 2026
$0.54
$472M
Q1 2026Jan 21, 2026
$0.55vs $0.52+5.8%
$340Mvs $336M+1.2%
Q4 2025Oct 21, 2025
$0.55vs $0.49+13.2%
$334Mvs $332M+0.7%
Based on last 12 quarters of dataView full earnings history →

FULT Peer Comparison

Fulton Financial Corporation (FULT) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.91B74.1414.57-3.05%21.14%10.65%0.11
TRMK logoTRMKTrustmark CorporationDirect Competitor2.63B44.6712.0734.75%19.32%10.77%0.53
UMBF logoUMBFUMB Financial CorporationDirect Competitor10.13B133.0614.5768.52%19.79%11.67%0.49
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.18B21.90-7.42-56.66%-64.33%-11.48%0.19
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.83B20.8113.69-2.33%32.48%9.25%0.43
TOWN logoTOWNTowneBankDirect Competitor2.65B34.7115.71-1.61%15.63%7.28%0.15

Compare FULT vs Peers

Fulton Financial Corporation (FULT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WSFS

Most directly comparable listed peer for FULT.

Scale Benchmark

vs V

Larger-name benchmark to compare FULT against a more recognizable public peer.

Peer Set

Compare Top 5

vs WSFS, TRMK, UMBF, IBCP

FULT Income Statement

Fulton Financial Corporation (FULT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
575M630.46M648.39M629.21M663.73M781.63M854.29M960.33M1.04B
NII Growth %
10.53%9.65%2.84%-2.96%5.49%17.76%9.29%12.41%7.92%
Net Interest Margin %
2.87%3.05%2.96%2.43%2.57%2.9%3.1%2.99%3.23%
Interest Income
668.87M758.51M825.31M742.88M723.41M864.84M1.27B1.58B1.62B
Interest Expense
93.5M128.06M176.92M113.67M59.68M83.2M418.95M621.87M580.53M
Loan Loss Provision
23.3M46.91M32.83M76.92M-14.6M20.07M54.04M48.19M35.7M
Non-Interest Income
202.88M195.53M216.16M229.39M273.75M227.13M227.68M218.47M274.4M
Non-Interest Income %
23.27%20.49%20.76%23.59%27.45%20.8%15.17%12.13%14.51%
Total Revenue
871.74M▲ 0%
954.04M▲ 9.4%
1.04B▲ 9.2%
972.27M▼ 6.6%
997.16M▲ 2.6%
1.09B▲ 9.5%
1.5B▲ 37.5%
1.8B▲ 20.0%
1.89B▲ 5.0%
Revenue Growth %
9.89%9.44%9.16%-6.64%2.56%9.51%37.45%19.97%5.03%
Non-Interest Expense
520.48M546.1M567.74M579.44M617.83M641.68M679.21M785.97M789.47M
Efficiency Ratio
59.71%57.24%54.51%59.6%61.96%58.76%45.25%43.65%41.74%
Operating Income
234.45M▲ 0%
232.97M▼ 0.6%
263.99M▲ 13.3%
202.24M▼ 23.4%
334.25M▲ 65.3%
347.01M▲ 3.8%
348.72M▲ 0.5%
344.63M▼ 1.2%
485.59M▲ 40.9%
Operating Margin %
26.89%24.42%25.35%20.8%33.52%31.78%23.23%19.14%25.68%
Operating Income Growth %
12.58%-0.63%13.31%-23.39%65.28%3.82%0.49%-1.17%40.9%
Pretax Income
234.45M▲ 0%
232.97M▼ 0.6%
263.99M▲ 13.3%
202.24M▼ 23.4%
334.25M▲ 65.3%
347.01M▲ 3.8%
348.72M▲ 0.5%
344.63M▼ 1.2%
485.59M▲ 40.9%
Pretax Margin %
26.89%24.42%25.35%20.8%33.52%31.78%23.23%19.14%25.68%
Income Tax
62.7M24.58M37.65M24.2M58.75M60.03M64.44M55.89M93.98M
Effective Tax Rate %
26.74%10.55%14.26%11.96%17.58%17.3%18.48%16.22%19.35%
Net Income
171.75M▲ 0%
208.39M▲ 21.3%
226.34M▲ 8.6%
178.04M▼ 21.3%
275.5M▲ 54.7%
286.98M▲ 4.2%
284.28M▼ 0.9%
288.74M▲ 1.6%
391.61M▲ 35.6%
Net Margin %
19.7%21.84%21.73%18.31%27.63%26.28%18.94%16.04%20.71%
Net Income Growth %
6.27%21.33%8.61%-21.34%54.74%4.17%-0.94%1.57%35.63%
Net Income (Continuing)
171.75M208.39M226.34M178.04M275.5M286.98M284.28M288.74M391.61M
EPS (Diluted)
0.98▲ 0%
1.18▲ 20.4%
1.39▲ 17.8%
1.08▼ 22.3%
1.62▲ 50.0%
1.67▲ 3.1%
1.64▼ 1.8%
1.57▼ 4.3%
2.08▲ 32.5%
EPS Growth %
5.38%20.41%17.8%-22.3%50%3.09%-1.8%-4.27%32.48%
EPS (Basic)
0.981.191.391.081.631.691.661.592.10
Diluted Shares Outstanding
175.93M176.54M167.79M163.09M163.31M165.47M166.77M177.22M183.29M

FULT Balance Sheet

Fulton Financial Corporation (FULT) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
2.81B2.32B3.02B4.91B4.83B3.31B2.93B3.37B1.18B
Cash & Due from Banks
263.7M243.79M517.79M1.85B1.64B668.02M532.31M1.06B271.46M
Short Term Investments
2.55B2.08B2.5B3.06B3.19B2.65B2.4B2.31B911.15M
Total Investments
17.89B18.41B19.26B21.77B22B23.67B24.37B28.15B5.74B
Investments Growth %
6.01%2.91%4.61%13.05%1.07%7.56%2.96%15.52%-79.59%
Long-Term Investments
15.34B16.33B16.76B18.71B18.82B21.02B21.97B25.84B4.83B
Accounts Receivables
52.91M58.88M60.9M72.94M57.45M91.58M107.97M117.03M113.7M
Goodwill & Intangibles
531.56M569.17M574.57M536.7M538.05M560.82M560.69M635.46M613M
Goodwill
530.6M530.6M535.3M533.4M534.27M550.54M553.35M553.35M553.3M
Intangible Assets
963K38.57M39.27M3.3M3.79M10.29M7.34M82.11M59.7M
PP&E (Net)
222.8M234.53M240.05M231.48M302.79M225.14M222.88M195.53M175.24M
Other Assets
788.11M894.07M952.89M1.17B803.04M1.4B1.41B1.57B23.78B
Total Current Assets
3.16B2.69B3.4B5.26B5.16B3.73B3.41B3.84B1.31B
Total Non-Current Assets
16.88B17.99B18.49B20.65B20.64B23.21B24.16B28.24B29.4B
Total Assets
20.04B▲ 0%
20.68B▲ 3.2%
21.9B▲ 5.9%
25.91B▲ 18.3%
25.8B▼ 0.4%
26.93B▲ 4.4%
27.57B▲ 2.4%
32.07B▲ 16.3%
32.12B▲ 0.1%
Asset Growth %
5.77%3.22%5.87%18.31%-0.43%4.4%2.38%16.32%0.15%
Return on Assets (ROA)
0.88%1.02%1.06%0.74%1.07%1.09%1.04%0.97%1.22%
Accounts Payable
9.32M10.53M8.83M10.37M7M10.19M35.08M31.62M17.13M
Total Debt
1.66B1.75B1.82B1.93B1.45B2.87B2.49B1.78B1.3B
Net Debt
1.39B1.5B1.3B78.5M-183.74M2.2B1.96B722.18M1.03B
Long-Term Debt
1.04B992.28M881.77M1.3B621.35M1.79B1.64B1.22B618.55M
Short-Term Debt
617.52M754.78M939.95M630.07M833.53M1.08B851.3M563.83M678.82M
Other Liabilities
344.33M300.83M319.4M514M48.35M821.01M751.54M931.38M27.18B
Total Current Liabilities
16.42B17.14B18.34B21.48B22.41B21.74B22.42B26.72B27.29B
Total Non-Current Liabilities
1.38B1.29B1.2B1.81B669.69M2.61B2.39B2.15B28.06B
Total Liabilities
17.81B18.43B19.55B23.29B23.08B24.35B24.81B28.87B28.63B
Total Equity
2.23B▲ 0%
2.25B▲ 0.8%
2.35B▲ 4.5%
2.62B▲ 11.4%
2.71B▲ 3.7%
2.58B▼ 4.9%
2.76B▲ 7.0%
3.2B▲ 15.8%
3.49B▲ 9.2%
Equity Growth %
5.13%0.79%4.49%11.43%3.66%-4.9%6.99%15.84%9.17%
Equity / Assets (Capital Ratio)
11.13%10.87%10.73%10.1%10.52%9.58%10.01%9.97%10.87%
Return on Equity (ROE)
7.89%9.31%9.85%7.17%10.34%10.84%10.65%9.69%11.71%
Book Value per Share
12.6712.7314.0016.0516.6115.5916.5518.0419.04
Tangible BV per Share
9.659.5110.5712.7513.3212.2013.1914.4615.70
Common Stock
552.23M554.38M556.11M557.92M559.77M561.51M564.4M614.87M617.83M
Additional Paid-in Capital
1.48B1.49B1.5B1.51B1.52B1.54B1.55B1.79B1.8B
Retained Earnings
821.62M946.03M1.08B1.12B1.28B1.45B1.62B1.78B2.02B
Accumulated OCI
-32.97M-59.06M-137K65.09M27.41M-385.48M-312.28M-287.82M-198.68M
Treasury Stock
-589.41M-683.48M-792.87M-827.96M-869.63M-781.75M-857.02M-887.43M-949.43M
Preferred Stock
000192.88M192.88M192.88M192.88M192.88M192.88M

FULT Cash Flow Statement

Fulton Financial Corporation (FULT) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
287.76M296.82M127.71M157.37M338.39M594.79M362.98M416.56M304.48M
Operating CF Growth %
27.29%3.15%-56.97%23.22%115.04%75.77%-38.97%14.76%-26.91%
Net Income
171.75M208.39M226.34M178.04M275.5M286.98M284.28M288.74M391.61M
Depreciation & Amortization
28.1M28.16M29.63M29.33M29.39M31.93M33M56.99M29.65M
Deferred Taxes
40.53M-16.56M-165K-21.59M12.41M0000
Other Non-Cash Items
59.54M100.02M60.4M65.63M38.72M70.1M58.86M-13.11M505K
Working Capital Changes
-17.37M-31.15M-195.9M-101.57M-26.03M191.78M-25.69M73.42M-130.61M
Cash from Investing
-1.14B-740.72M-893.35M-2.5B-210.09M-1.54B-809.22M1.63B-82.18M
Purchase of Investments
-613.85M-615.68M-1.16B-1.15B-1.77B-905.77M-105.81M-1.97B-786.27M
Sale/Maturity of Investments
602.41M381.22M1.03B739.82M980.45M889.61M422.32M2.69B838.74M
Net Investment Activity
-11.45M-234.46M-128.27M-409.82M-790.46M-16.16M316.51M725.92M52.47M
Acquisitions
00-5.17M-1.88M-1.98M-21.81M01.02B0
Other Investing
-1.09B-466.37M-726.19M-2.07B600.04M-1.48B-1.09B-72.51M-114.5M
Cash from Financing
897.14M487.49M837.74M3.67B-337.52M-15.9M314.02M-1.53B-224.57M
Dividends Paid
-80.37M-89.65M-92.33M-90.96M-112.03M-116.01M-115.74M-131.7M-141.21M
Share Repurchases
0-95.31M-111.46M-39.75M-43.91M0-77.06M-30.35M-66.05M
Stock Issued
8.54M6.74M6.36M07.44M7.88M3.16M270.58M7.71M
Net Stock Activity
8.54M-88.57M-105.09M-39.75M-36.47M7.88M-73.9M240.23M-58.34M
Debt Issuance (Net)
1000K1000K1000K1000K-1000K1000K-1000K-1000K-1000K
Other Financing
784.67M578.63M1.02B3.51B734.29M-1.46B888.09M479.67M459.97M
Net Change in Cash
49.57M▲ 0%
43.59M▼ 12.1%
72.1M▲ 65.4%
1.33B▲ 1744.6%
-209.22M▼ 115.7%
-956.69M▼ 357.3%
-132.21M▲ 86.2%
514.16M▲ 488.9%
-2.26M▼ 100.4%
Exchange Rate Effect
000000000
Cash at Beginning
352.53M402.1M445.69M517.79M1.85B1.64B681.92M549.71M1.06B
Cash at End
402.1M445.69M517.79M1.85B1.64B681.92M549.71M1.06B1.06B
Interest Paid
93.82M126.85M178.61M112.14M63.05M80.02M394.05M658.78M0
Income Taxes Paid
6.54M13.55M9.19M16.19M27.87M32.67M25.32M29.12M0
Free Cash Flow
254.67M▲ 0%
256.94M▲ 0.9%
94M▼ 63.4%
137.13M▲ 45.9%
320.71M▲ 133.9%
573.54M▲ 78.8%
330.03M▼ 42.5%
374.11M▲ 13.4%
284.34M▼ 24.0%
FCF Growth %
23.39%0.89%-63.42%45.89%133.88%78.83%-42.46%13.36%-24%

FULT Banking Ratios

Fulton Financial Corporation (FULT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
7.76%7.89%9.31%9.85%7.17%10.34%10.84%10.65%9.69%11.71%
Return on Assets (ROA)
0.88%0.88%1.02%1.06%0.74%1.07%1.09%1.04%0.97%1.22%
Net Interest Margin
2.75%2.87%3.05%2.96%2.43%2.57%2.9%3.1%2.99%3.23%
Efficiency Ratio
61.71%59.71%57.24%54.51%59.6%61.96%58.76%45.25%43.65%41.74%
Equity / Assets
11.2%11.13%10.87%10.73%10.1%10.52%9.58%10.01%9.97%10.87%
Book Value / Share
12.1612.6712.731416.0516.6115.5916.5518.0419.04
NII Growth
4.25%10.53%9.65%2.84%-2.96%5.49%17.76%9.29%12.41%7.92%
Dividend Payout
42.93%46.79%43.02%40.79%51.09%40.66%40.42%40.71%45.61%36.06%
Related:FULT Dividend History·FULT Revenue History·FULT Price History·FULT P/E History·FULT Financial Ratios·FULT Institutional Holders

FULT SEC Filings & Documents

Fulton Financial Corporation (FULT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Apr 1, 2026·SEC

Material company update

Feb 23, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Mar 1, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

FULT Frequently Asked Questions

Fulton Financial Corporation (FULT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Fulton Financial Corporation (FULT) grew revenue by 5.0% over the past year. This is steady growth.

Yes, Fulton Financial Corporation (FULT) is profitable, generating $391.6M in net income for fiscal year 2025 (20.7% net margin).

Dividend & Returns

Yes, Fulton Financial Corporation (FULT) pays a dividend with a yield of 3.36%. This makes it attractive for income-focused investors.

Fulton Financial Corporation (FULT) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.

Industry Metrics

Fulton Financial Corporation (FULT) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

Fulton Financial Corporation (FULT) has an efficiency ratio of 41.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FULT back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in FULT be worth today?

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