19.8 USD
-0.09 (-0.45%)
19.8 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FULT. FULT was compared to 383 industry peers in the Banks industry. FULT has a medium profitability rating, but doesn't score so well on its financial health evaluation. FULT has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year FULT was profitable.
FULT had a positive operating cash flow in the past year.
In the past 5 years FULT has always been profitable.
In the past 5 years FULT always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FULT (1.10%) is better than 70.80% of its industry peers.
FULT has a Return On Equity of 10.28%. This is in the better half of the industry: FULT outperforms 64.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 10.28% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.92%
ROE(3y)9.79%
ROE(5y)9.17%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FULT (27.07%) is better than 65.37% of its industry peers.
FULT's Profit Margin has declined in the last couple of years.
FULT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.07% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.31%
PM growth 5Y-2.95%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FULT does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FULT has been increased compared to 1 year ago.
Compared to 5 years ago, FULT has more shares outstanding
FULT has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FULT is 3.64, which is a good value as it means it would take FULT, 3.64 years of fcf income to pay off all of its debts.
FULT's Debt to FCF ratio of 3.64 is on the low side compared to the rest of the industry. FULT is outperformed by 65.12% of its industry peers.
FULT has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.30, FULT is not doing good in the industry: 67.44% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.08%, which is quite good.
The Earnings Per Share has been growing slightly by 6.04% on average over the past years.
FULT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.16%.
FULT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.41% yearly.
EPS 1Y (TTM)15.08%
EPS 3Y4.31%
EPS 5Y6.04%
EPS Q2Q%6%
Revenue 1Y (TTM)9.16%
Revenue growth 3Y9.66%
Revenue growth 5Y7.41%
Sales Q2Q%2.4%
3.2 Future
The Earnings Per Share is expected to grow by 8.29% on average over the next years. This is quite good.
FULT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.95% yearly.
EPS Next Y13.24%
EPS Next 2Y6.93%
EPS Next 3Y8.29%
EPS Next 5YN/A
Revenue Next Year14.75%
Revenue Next 2Y15.06%
Revenue Next 3Y11.95%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.61 indicates a reasonable valuation of FULT.
Compared to the rest of the industry, the Price/Earnings ratio of FULT indicates a rather cheap valuation: FULT is cheaper than 84.50% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FULT to the average of the S&P500 Index (27.19), we can say FULT is valued rather cheaply.
FULT is valuated reasonably with a Price/Forward Earnings ratio of 9.36.
Based on the Price/Forward Earnings ratio, FULT is valued a bit cheaper than 68.99% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FULT to the average of the S&P500 Index (23.92), we can say FULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | 9.36 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FULT is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.73
PEG (5Y)1.59
EPS Next 2Y6.93%
EPS Next 3Y8.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.82%, FULT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.90, FULT pays a bit more dividend than its industry peers.
FULT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
5.2 History
On average, the dividend of FULT grows each year by 6.62%, which is quite nice.
FULT has paid a dividend for at least 10 years, which is a reliable track record.
FULT has decreased its dividend recently.
Dividend Growth(5Y)6.62%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
40.37% of the earnings are spent on dividend by FULT. This is a bit on the high side, but may be sustainable.
FULT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP40.37%
EPS Next 2Y6.93%
EPS Next 3Y8.29%
19.8
-0.09 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.43%
Inst Owner Change-0.25%
Ins Owners1.11%
Ins Owner Change-0.67%
Market Cap3.58B
Revenue(TTM)1.30B
Net Income(TTM)351.01M
Analysts81.82
Price Target21.52 (8.69%)
Short Float %3.69%
Short Ratio3.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
Yearly Dividend0.76
Dividend Growth(5Y)6.62%
DP40.37%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.12%
Min EPS beat(2)4.63%
Max EPS beat(2)15.6%
EPS beat(4)4
Avg EPS beat(4)12.93%
Min EPS beat(4)4.63%
Max EPS beat(4)18.68%
EPS beat(8)8
Avg EPS beat(8)14.78%
EPS beat(12)10
Avg EPS beat(12)8.18%
EPS beat(16)12
Avg EPS beat(16)7.19%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-1.37%
Min Revenue beat(4)-2.09%
Max Revenue beat(4)-0.86%
Revenue beat(8)2
Avg Revenue beat(8)-1.57%
Revenue beat(12)5
Avg Revenue beat(12)2.01%
Revenue beat(16)9
Avg Revenue beat(16)9.68%
PT rev (1m)0.48%
PT rev (3m)1.44%
EPS NQ rev (1m)0.12%
EPS NQ rev (3m)3.22%
EPS NY rev (1m)0.03%
EPS NY rev (3m)2.66%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)6.02%
Revenue NY rev (1m)1.16%
Revenue NY rev (3m)6.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | 9.36 | ||
| P/S | 2.76 | ||
| P/FCF | 12.73 | ||
| P/OCF | 10.63 | ||
| P/B | 1.05 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY10.4%
EPS(NY)2.12
Fwd EY10.68%
FCF(TTM)1.56
FCFY7.86%
OCF(TTM)1.86
OCFY9.41%
SpS7.18
BVpS18.9
TBVpS15.48
PEG (NY)0.73
PEG (5Y)1.59
Graham Number29.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 10.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.07% | ||
| GM | N/A | ||
| FCFM | 21.67% |
ROA(3y)0.96%
ROA(5y)0.92%
ROE(3y)9.79%
ROE(5y)9.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.31%
PM growth 5Y-2.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.64 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 90.9% | ||
| Cap/Sales | 4.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 80.04% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.29%
ROIC/WACCN/A
Cap/Depr(3y)80.27%
Cap/Depr(5y)73.99%
Cap/Sales(3y)2.86%
Cap/Sales(5y)2.56%
Profit Quality(3y)154.44%
Profit Quality(5y)132.75%
High Growth Momentum
Growth
EPS 1Y (TTM)15.08%
EPS 3Y4.31%
EPS 5Y6.04%
EPS Q2Q%6%
EPS Next Y13.24%
EPS Next 2Y6.93%
EPS Next 3Y8.29%
EPS Next 5YN/A
Revenue 1Y (TTM)9.16%
Revenue growth 3Y9.66%
Revenue growth 5Y7.41%
Sales Q2Q%2.4%
Revenue Next Year14.75%
Revenue Next 2Y15.06%
Revenue Next 3Y11.95%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.27%
FCF growth 3Y4.85%
FCF growth 5Y31.82%
OCF growth 1Y-32.65%
OCF growth 3Y6.76%
OCF growth 5Y26.68%
FULTON FINANCIAL CORP / FULT FAQ
Can you provide the ChartMill fundamental rating for FULTON FINANCIAL CORP?
ChartMill assigns a fundamental rating of 4 / 10 to FULT.
What is the valuation status of FULTON FINANCIAL CORP (FULT) stock?
ChartMill assigns a valuation rating of 6 / 10 to FULTON FINANCIAL CORP (FULT). This can be considered as Fairly Valued.
How profitable is FULTON FINANCIAL CORP (FULT) stock?
FULTON FINANCIAL CORP (FULT) has a profitability rating of 4 / 10.
What are the PE and PB ratios of FULTON FINANCIAL CORP (FULT) stock?
The Price/Earnings (PE) ratio for FULTON FINANCIAL CORP (FULT) is 9.61 and the Price/Book (PB) ratio is 1.05.
How sustainable is the dividend of FULTON FINANCIAL CORP (FULT) stock?
The dividend rating of FULTON FINANCIAL CORP (FULT) is 6 / 10 and the dividend payout ratio is 40.37%.