FULT Research | Milton Maxwell

FULT

Fulton Financial Corporation

19.91

+0.00+0%

Dec 16, 4:00:01 PM EST

Upcoming Earnings

Report date

≈ Jan 20, 2026

Earnings Call Transcripts

This Quarter (Q4 '25)

No earnings call transcript available yet

Last Quarter (Q3 '25)

No earnings call transcript available

Key Stats

Market Cap

3.60B

P/E (TTM)

10.42

Basic EPS (TTM)

1.91

Dividend Yield

0.04%

Recent Filings

8-K

12/16/25Dec 16, 2025

8-K

11/25/25Nov 25, 2025

8-K

11/24/25Nov 24, 2025

10-Q

Q3 FY2025 results

11/7/25Nov 7, 2025

Fulton Financial's Q3 2025 results showed net interest income climbing to $264.2 million, up 2.4% y/y, while NIM edged up to 3.57% from 3.49%, buoyed by lower deposit costs amid falling rates. Revenue dipped 3.9% y/y to $411.0 million on softer loan yields, yet non-interest income surged 18.0% to $70.4 million, fueled by cash management fees and wealth revenues. Expenses fell 13.1% y/y to $196.6 million, trimming acquisition costs and occupancy; provision for credit losses eased to $10.2 million. Diluted EPS hit $0.53, up 60.6% y/y, reconciling to 183.3 million shares. Cash stood at $814.2 million with $6.5 billion FHLB availability; borrowings dropped to $1.5 billion. The Republic First deal, closed April 2024 for $809.9 million cash from FDIC, added $92.6 million CDI (amortized over 10 years) and boosted Philadelphia presence. Yet competition for deposits remains a key risk.

8-K

Fulton Q3 earnings rise slightly

10/21/25Oct 21, 2025

Fulton Financial Corporation posted Q3 2025 net income of $97.9 million, or $0.53 per diluted share, edging up from Q2's $96.6 million. Operating net income hit a record $101.3 million, or $0.55 per share, fueled by net interest income climbing to $264.2 million on a 3.57% margin, while non-interest income rose to $70.4 million. Loans held steady at $24.0 billion, deposits grew to $26.3 billion, and non-performing assets dipped to 0.63% of assets. Solid capital at 11.5% CET1 ratio. Yet, expenses ticked up 2%.

About

Fulton Financial Corporation operates as the bank holding company for Fulton Bank that provides banking and financial products and services in the United States. It provides various checking accounts and savings deposit products, and certificates of deposit. The company also offers consumer loans products, including home equity loans and lines of credit; construction and jumbo residential mortgage loans; automobile, student, and personal loans; account overdraft protection; 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 locations, 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.

CEO

Mr. Curtis J. Myers

IPO

9/3/1985

Website

https://www.fultonbank.com

Employees

3,400

Sector

Financial Services

Industry

Banks - Regional