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FULT logoFulton Financial Corporation(FULT)Earnings, Financials & Key Ratios

FULT•NASDAQ•Banking & Credit
$21.58
$4.15B mkt cap·10.4× P/E·Price updated May 6, 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%
  • Tangible BV/Share15.70+8.6%
  • Debt/Equity0.37-33.3%
Technical→

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 3.6%
  • ✓Trading at only 1.1x 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.

FULT Price & Volume

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

Loading chart...

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
EPS
$0.55
Est $0.50
+10.0%
Revenue
$336M
Est $334M
+0.6%
Q1 2026
Feb 27, 2026
EPS
$0.54
Revenue
$472M
Q1 2026
Jan 21, 2026
EPS
$0.55
Est $0.52
+5.8%
Revenue
$340M
Est $336M
+1.2%
Q4 2025
Oct 21, 2025
EPS
$0.55
Est $0.49
+13.2%
Revenue
$334M
Est $332M
+0.7%
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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.79B71.8514.12-3.05%21.14%10.65%5.64%0.11
TRMK logoTRMKTrustmark CorporationDirect Competitor2.64B44.7612.1034.75%20.01%10.77%8.8%0.53
UMBF logoUMBFUMB Financial CorporationDirect Competitor9.98B131.0614.3568.52%15.81%11.67%9.8%0.49
IBCP logoIBCPIndependent Bank CorporationDirect Competitor690.04M33.5210.25-0.3%21.73%14.2%10.17%0.23
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.33B44.6913.4210.36%19.51%9.51%9.38%0.17
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.1B21.42-7.26-56.66%-63.43%-11.63%14.5%0.19
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.79B20.5413.51-2.33%32.53%9.25%7.79%0.43
TOWN logoTOWNTowneBankDirect Competitor2.67B34.9715.82-1.61%16.82%7.28%7.92%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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income575M630.46M648.39M629.21M663.73M781.63M854.29M960.33M1.04B
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 Income668.87M758.51M825.31M742.88M723.41M864.84M1.27B1.58B1.62B
Interest Expense93.5M128.06M176.92M113.67M59.68M83.2M418.95M621.87M580.53M
Loan Loss Provision23.3M46.91M32.83M76.92M-14.6M20.07M54.04M48.19M35.7M
Non-Interest Income202.88M195.53M216.16M229.39M273.75M227.13M227.68M218.47M274.4M
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 Expense520.48M546.1M567.74M579.44M617.83M641.68M679.21M785.97M789.47M
Efficiency Ratio59.71%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 Tax62.7M24.58M37.65M24.2M58.75M60.03M64.44M55.89M93.98M
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 Outstanding175.93M176.54M167.79M163.09M163.31M165.47M166.77M177.22M183.29M

FULT Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments2.81B2.32B3.02B4.91B4.83B3.31B2.93B3.37B1.18B
Cash & Due from Banks263.7M243.79M517.79M1.85B1.64B668.02M532.31M1.06B271.46M
Short Term Investments2.55B2.08B2.5B3.06B3.19B2.65B2.4B2.31B911.15M
Total Investments17.89B18.41B19.26B21.77B22B23.67B24.37B28.15B5.74B
Investments Growth %6.01%2.91%4.61%13.05%1.07%7.56%2.96%15.52%-79.59%
Long-Term Investments15.34B16.33B16.76B18.71B18.82B21.02B21.97B25.84B4.83B
Accounts Receivables52.91M58.88M60.9M72.94M57.45M91.58M107.97M117.03M113.7M
Goodwill & Intangibles531.56M569.17M574.57M536.7M538.05M560.82M560.69M635.46M613M
Goodwill530.6M530.6M535.3M533.4M534.27M550.54M553.35M553.35M553.3M
Intangible Assets963K38.57M39.27M3.3M3.79M10.29M7.34M82.11M59.7M
PP&E (Net)222.8M234.53M240.05M231.48M302.79M225.14M222.88M195.53M175.24M
Other Assets788.11M894.07M952.89M1.17B803.04M1.4B1.41B1.57B23.78B
Total Current Assets3.16B2.69B3.4B5.26B5.16B3.73B3.41B3.84B1.31B
Total Non-Current Assets16.88B17.99B18.49B20.65B20.64B23.21B24.16B28.24B29.4B
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 Payable9.32M10.53M8.83M10.37M7M10.19M35.08M31.62M17.13M
Total Debt1.66B1.75B1.82B1.93B1.45B2.87B2.49B1.78B1.3B
Net Debt1.39B1.5B1.3B78.5M-183.74M2.2B1.96B722.18M1.03B
Long-Term Debt1.04B992.28M881.77M1.3B621.35M1.79B1.64B1.22B618.55M
Short-Term Debt617.52M754.78M939.95M630.07M833.53M1.08B851.3M563.83M678.82M
Other Liabilities344.33M300.83M319.4M514M48.35M821.01M751.54M931.38M27.18B
Total Current Liabilities16.42B17.14B18.34B21.48B22.41B21.74B22.42B26.72B27.29B
Total Non-Current Liabilities1.38B1.29B1.2B1.81B669.69M2.61B2.39B2.15B28.06B
Total Liabilities17.81B18.43B19.55B23.29B23.08B24.35B24.81B28.87B28.63B
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 Share12.6712.7314.0016.0516.6115.5916.5518.0419.04
Tangible BV per Share9.659.5110.5712.7513.3212.2013.1914.4615.70
Common Stock552.23M554.38M556.11M557.92M559.77M561.51M564.4M614.87M617.83M
Additional Paid-in Capital1.48B1.49B1.5B1.51B1.52B1.54B1.55B1.79B1.8B
Retained Earnings821.62M946.03M1.08B1.12B1.28B1.45B1.62B1.78B2.02B
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 Stock000192.88M192.88M192.88M192.88M192.88M192.88M

FULT Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations287.76M296.82M127.71M157.37M338.39M594.79M362.98M416.56M304.48M
Operating CF Growth %27.29%3.15%-56.97%23.22%115.04%75.77%-38.97%14.76%-26.91%
Net Income171.75M208.39M226.34M178.04M275.5M286.98M284.28M288.74M391.61M
Depreciation & Amortization28.1M28.16M29.63M29.33M29.39M31.93M33M56.99M29.65M
Deferred Taxes40.53M-16.56M-165K-21.59M12.41M0000
Other Non-Cash Items59.54M100.02M60.4M65.63M38.72M70.1M58.86M-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 Investments602.41M381.22M1.03B739.82M980.45M889.61M422.32M2.69B838.74M
Net Investment Activity-11.45M-234.46M-128.27M-409.82M-790.46M-16.16M316.51M725.92M52.47M
Acquisitions00-5.17M-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 Financing897.14M487.49M837.74M3.67B-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 Repurchases0-95.31M-111.46M-39.75M-43.91M0-77.06M-30.35M-66.05M
Stock Issued8.54M6.74M6.36M07.44M7.88M3.16M270.58M7.71M
Net Stock Activity8.54M-88.57M-105.09M-39.75M-36.47M7.88M-73.9M240.23M-58.34M
Debt Issuance (Net)1000K1000K1000K1000K-1000K1000K-1000K-1000K-1000K
Other Financing784.67M578.63M1.02B3.51B734.29M-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 Effect000000000
Cash at Beginning352.53M402.1M445.69M517.79M1.85B1.64B681.92M549.71M1.06B
Cash at End402.1M445.69M517.79M1.85B1.64B681.92M549.71M1.06B1.06B
Interest Paid93.82M126.85M178.61M112.14M63.05M80.02M394.05M658.78M0
Income Taxes Paid6.54M13.55M9.19M16.19M27.87M32.67M25.32M29.12M0
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 Margin2.75%2.87%3.05%2.96%2.43%2.57%2.9%3.1%2.99%3.23%
Efficiency Ratio61.71%59.71%57.24%54.51%59.6%61.96%58.76%45.25%43.65%41.74%
Equity / Assets11.2%11.13%10.87%10.73%10.1%10.52%9.58%10.01%9.97%10.87%
Book Value / Share12.1612.6712.731416.0516.6115.5916.5518.0419.04
NII Growth4.25%10.53%9.65%2.84%-2.96%5.49%17.76%9.29%12.41%7.92%
Dividend Payout42.93%46.79%43.02%40.79%51.09%40.66%40.42%40.71%45.61%36.06%

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 3.57%. 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.

Explore More FULT

Fulton Financial Corporation (FULT) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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