Fulton Financial Corporation

Fulton Financial Corporation

19.30
EUR
-0.20
(-1.03%)
1.88EPS
11.17P/E
3.94BMarket Cap
Jan 19Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.7
3.66
3.88
4.1
4.45
4.71
5.18
5.29
5.78
6.15
6.55
6.72
7.23
7.45
Basic EPS, GAAP
0.84
0.85
0.85
0.93
0.98
1.19
1.36
1.08
1.63
1.69
1.66
1.59
2.1
2.11
Free Cash Flow per Basic Share
1.56
1.13
1.01
1.3
1.65
1.46
0.56
0.84
1.98
3.49
2
2.13
1.57
2.25
Dividend per Share
0.24
0.34
0.37
0.4
0.46
0.51
0.55
0.56
0.69
0.71
0.7
0.75
0.78
0.8
Book Value per Share
10.71
11.16
11.72
12.19
12.73
13.21
14.26
14.93
15.7
14.24
15.67
16.5
18.33
18.92
Tangible Book Value per Share
7.72
7.95
8.44
8.92
9.69
10.08
11
11.62
12.35
10.9
12.25
13.01
14.92
15.61
Basic Weighted Avg Shares
193
186
176
173
175
175
167
162
162
164
165
176
182
183
Sales/Revenue/Turnover
715
682
682
711
778
826
865
859
937
1,009
1,082
1,179
1,313
1,366
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
28
26
28
27
28
28
30
29
29
32
33
57
51
50
Net Income, GAAP
162
158
150
162
172
208
226
178
275
287
284
289
392
397
Effective Tax Rate (%)
23.99
24.99
25.03
22.39
26.74
10.55
14.26
11.96
17.58
17.3
18.48
16.22
19.35
19.51
Profit Margin (%)
22.64
23.14
21.93
22.73
22.07
25.23
26.18
20.74
29.39
28.45
26.27
24.49
29.82
29.03
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
884
1,139
950
929
1,038
992
882
1,296
621
1,791
1,636
1,218
619
1,714
Total Equity
2,063
1,997
2,042
2,121
2,230
2,248
2,342
2,617
2,713
2,580
2,760
3,197
3,490
3,816
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.95
4.68
4.61
5.13
5.2
5.6
5.62
4.12
6.64
7.07
6.49
6.55
9.19
7.46
Return on Common Equity (%)
7.81
7.78
7.4
7.76
7.89
9.31
9.86
7.38
10.73
11.28
11.06
10
12.1
11.43

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
619
1,253
1,714
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
193
193
193
Shares Outstanding
180
179
191
Market Capitalization
3,424
3,432
4,506

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,407
3,323
3,792
Accounts Receivable, Net
114
112
121
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
17
18
23
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.65%
6.15%
9.17%
Free Cash Flow
18.6%
31.92%
-24%
Net Income, GAAP
11.82%
19.03%
35.63%
Sales/Revenue/Turnover
6.82%
8.88%
11.39%
Total Cash Common Dividend
7.39%
8.24%
7.83%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
264
267
325
324
1,179
2025
318
324
334
337
1,313
2026
332
363
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.53
0.33
0.36
1.59
2025
0.5
0.53
0.54
0.53
2.1
2026
0.51
0.52
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.18
0.2
0.18
0.2
0.75
2025
0.19
0.19
0.19
0.19
0.78
2026
0.2
0.2
- -
- -
- -

Company Description

CEO
Curtis J. Myers
Full Time Employees
3,400
Sector
Finance
Industry
Major banks
Address
One Penn Square Lancaster PA United States 17604
IPO Date
Sep 3, 1985
Business
Fulton Financial Corporation operates as a financial holding company providing a broad range of banking and financial products and services primarily through its subsidiary, Fulton Bank, N.A. The company offers consumer and commercial banking products including various checking accounts, savings deposit products, certificates of deposit, individual retirement accounts, secured consumer loans such as home equity loans and lines of credit, automobile loans, personal lines of credit, overdraft protection, construction and jumbo residential mortgage loans, commercial real estate loans, commercial and industrial loans, construction loans, and equipment lease financing. Additionally, Fulton provides letters of credit, cash management services, wealth management solutions including investment management, trust, brokerage, insurance and investment advisory services. The company's services are accessible through physical financial centers, ATMs, telephone, mobile, and online banking platforms. It operates primarily in Pennsylvania, New Jersey, Maryland, Delaware, and Virginia. Founded in 1882 and headquartered in Lancaster, Pennsylvania, Fulton Financial Corporation targets retail, commercial, and wealth management customers across its geographic footprint. Recent significant developments include Fulton's acquisition of Blue Foundry Bancorp in an all-stock transaction valued at approximately $243 million, expected to close in the second quarter of 2026. This acquisition extends Fulton’s presence into the northern New Jersey market, building on its prior expansion with the acquisition of Republic First Bank in 2024, which nearly doubled its market presence in the Philadelphia region. The Blue Foundry merger is anticipated to be accretive to earnings by more than 5% in the first full year post-close and to enhance tangible book value per share while maintaining regulatory capital ratios. These strategic moves are part of Fulton’s broader growth initiative to expand its footprint and service offerings in key regional markets through acquisitions and organic growth. Prior acquisitions include Prudential Bancorp in 2022, further consolidating its market position in Pennsylvania. These expansions solidify Fulton’s ability to deliver community-focused banking alongside comprehensive commercial, consumer, wealth, and mortgage services. The corporation’s ongoing strategic focus is regional growth and enhanced customer service through an expanded array of financial products and solutions.

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