Fulton Financial Corporation (FULT)
Valuation Overview•Is Fulton Financial Corporation Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 56/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street sentiment is generally neutral. This is paired with healthy capital returns, anchored by a strong, well-covered dividend yield.
FULT demonstrates strong business quality with robust profitability and healthy margins. This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 25.7% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $471.8M | +5.0% | — | — | +9.5% | |
| EBITDA | $125.5M | — | +11.8% | — | — | |
| Net Income | $99.0M | +35.6% | +10.9% | — | +10.1% | |
| EPS (Diluted) | $0.53 | +32.5% | +7.6% | +14.0% | +9.4% | |
| Free Cash Flow | $73.1M | -24.0% | -20.9% | +15.7% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 67.4% | 66.2% | 76.9% | 80.1% |
| Operating Margin | 25.7% | 22.7% | 26.7% | 25.7% |
| Net Margin | 20.7% | 18.6% | 21.9% | 21.2% |
| FCF Margin | 14.1% | 19.3% | 28.5% | 24.8% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.50 | $0.55 | +10.0% | ||
| Q1'26 | — | $0.54 | — | ||
| Q1'26 | $0.52 | $0.55 | +5.8% | ||
| Q4'25 | $0.49 | $0.55 | +13.2% | ||
| Q3'25 | $0.42 | $0.55 | +29.4% | ||
| Q2'25 | $0.41 | $0.52 | +25.9% | ||
| Q1'25 | — | $0.37 | — | ||
| Q1'25 | $0.43 | $0.48 | +11.6% |
Total return is +38.2% (1Y), outperforming the benchmark by +13.3%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +18.6% | +9.3% | — |
| 1Y | +38.2% | +13.3% | +4.3% |
| 3YCAGR | +25.6% | +5.7% | +16.7% |
| 5YCAGR | +11.2% | -2.4% | +22.0% |
| 10YCAGR | +7.8% | -5.8% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Fulton Financial Corporation (FULT) valuation, health, and returns.
Fulton Financial Corporation is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Slightly cheap versus peers compared to industry peers. trading near fair value (DCF: $20.12)
Fulton Financial Corporation has multiple valuation anchors: DCF Intrinsic Value: $20.12 | Peer Relative Fair Value: $25.85 | Wall Street Analyst Target: $23.50 (implying +2.6% upside). A convergence of these signals offers higher conviction.
Fulton Financial Corporation displays fair financial health with a composite quality score of 56/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 7.5%.
Fulton Financial Corporation pays a 3.4% dividend yield, covered by a 36% payout ratio with 5 years of growth, supplemented by a 1.5% buyback yield.
Fulton Financial Corporation's current growth trajectory is Decelerating. The company achieved +5.0% 1Y revenue growth and +32.5% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 20 analysts, beating EPS expectations in 92% of recent quarters with a 9-quarter streak. The consensus price target represents a +2.6% change from current levels.
Investment risks for Fulton Financial Corporation include: -15.5% 1-year max drawdown. Volatility risk is characterized by a beta of 0.94x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.