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Earnings transcript
Read the complete earnings call transcript.
FULT
Fulton Financial Corporation
$22.5
0.45
(2.04%)
| Exchange: | NASDAQ |
| Market Cap: | 4.301B |
| Shares Outstanding: | 35.495M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Curtis J. Myers | |||||
| Full Time Employees: | 3400 | |||||
| Address: |
| |||||
| Website: | https://www.fultonbank.com |
Fulton Financial Corporation (FFC) functions as a financial holding entity, providing a full spectrum of banking products and services for both individual consumers and businesses. The company facilitates various deposit accounts, including checking and savings options, certificates of deposit, and Individual Retirement Accounts. FFC extends secured credit to consumers through offerings such as home equity loans and lines of credit, automobile financing, personal lines of credit, and overdraft protection for checking accounts. Furthermore, it originates construction and large-scale residential mortgage loans. For its commercial clientele, FFC provides diverse lending solutions, which encompass commercial real estate, commercial and industrial financing, construction loans, and equipment lease agreements. Beyond these core services, the corporation furnishes letters of credit and advanced cash management solutions. Its wealth management division delivers comprehensive support, covering investment management, trust services, brokerage facilities, insurance products, and personalized investment advisory. FFC also holds passive investments and trust preferred securities, in addition to marketing a range of life insurance policies. Customers can access FFC’s offerings via its network of traditional financial centers, automated teller machines (ATMs), telephone banking, mobile applications, and its online banking portal. The company maintains branches across Pennsylvania, Maryland, Delaware, New Jersey, and Virginia. Incorporated in 1882, Fulton Financial Corporation’s corporate headquarters are situated in Lancaster, Pennsylvania.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,500,914 | 1,800,665 | 1,891,276 |
| Gross Profit | 1,027,928 | 1,130,602 | 1,275,051 |
| EBITDA | 381,720 | 401,623 | 529,283 |
| Operating Income | 348,721 | 344,629 | 485,586 |
| Net Income | 284,280 | 288,743 | 391,609 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 27,571,915 | 32,071,810 | 32,118,400 |
| Total Liabilities | 24,811,776 | 28,874,485 | 28,627,953 |
| Total Stockholders Equity | 2,760,139 | 3,197,325 | 3,490,447 |
| Total Debt | 2,487,526 | 1,782,048 | 1,297,375 |
| Cash and Cash Equivalents | 532,310 | 1,059,871 | 271,463 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 362,984 | 416,565 | 304,483 |
| Capital Expenditure | -32,958 | -42,453 | 0 |
| Free Cash Flow | 330,026 | 374,112 | 304,483 |
| Net Income | 284,280 | 288,743 | 391,609 |
| Net Change in Cash | -132,211 | 514,161 | -2,262 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,141,567.950 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,175,296.008 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,153,079.879 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 629,160.750 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 639,069.551 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 632,542.783 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 466,959.889 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 476,534.906 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 470,227.932 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 642,251.722 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 652,366.695 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 645,704.125 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.570 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.600 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.550 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance in Q2 2025: As highlighted in the Q2 2025 earnings call transcript, Fulton Financial reported strong operating earnings, surpassing expectations with key financial results demonstrating resilience. This indicates effective management and operational efficiency.
- Solid Balance Sheet Metrics: The balance sheet data shows a healthy level of cash and cash equivalents alongside a balanced total stockholders' equity, reflecting financial stability and the ability to weather economic fluctuations.
- Consistent Dividend Yield: With a competitive dividend yield (TTM) as per key metrics, FULT offers an attractive return to shareholders, reinforcing investor confidence and supporting long-term holding interest.
- Strategic Focus on Growth: The earnings call summary emphasizes strategic growth across business segments, indicating proactive management in expanding market presence and diversifying revenue streams.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FULT intrinsic value between $20.26 – $29.96 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about FULT valuation
Is Fulton Financial Corporation (FULT) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Fulton Financial Corporation (FULT) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FULT a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FULT trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FULT’s P/E ratio?
You can see FULT’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FULT?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FULT a good long-term investment?
Whether FULT fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FULT
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
2.04
Trading Metrics:
| Open: | 22.22 | Previous Close: | 22.05 | |
| Day Low: | 22.18 | Day High: | 22.83 | |
| Year Low: | 16.6 | Year High: | 22.99 | |
| Price Avg 50: | 21.36 | Price Avg 200: | 19.91 | |
| Volume: | 1.722M | Average Volume: | 1.966M |
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Login — it's freeFULT full analysis
Welcome to MARKETSNAP’s SWOT analysis for Fulton Financial Corporation, also known by its ticker FULT. If you’re a long-term investor looking to dig into a regional banking player, you’ve come to the right place. Today, we’re breaking down the strengths, weaknesses, opportunities, and threats for Fulton Financial, a company that might not be a household name like the big Wall Street giants, but still holds a solid spot in the financial services space. Let’s dive in with a quick overview,…
