FULTON FINANCIAL CORP (FULT) Stock Fundamental Analysis
USA - NASDAQ:FULT - US3602711000 - Common Stock
17.24 USD
-0.01 (-0.06%)
We assign a fundamental rating of 3 out of 10 to FULT. FULT was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of FULT have multiple concerns. FULT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
FULT had positive earnings in the past year.
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 (0.98%) is better than 60.57% of its industry peers.
FULT's Return On Equity of 9.42% is in line compared to the rest of the industry. FULT outperforms 57.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 9.42% | ||
| 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
FULT's Profit Margin of 24.52% is in line compared to the rest of the industry. FULT outperforms 53.87% of its industry peers.
In the last couple of years the Profit Margin of FULT has declined.
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) | 24.52% | ||
| 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.
FULT has more shares outstanding than it did 1 year ago.
FULT has more shares outstanding than it did 5 years ago.
FULT has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FULT is 7.18, which is on the high side as it means it would take FULT, 7.18 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FULT (7.18) is worse than 74.74% of its industry peers.
FULT has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
FULT has a Debt to Equity ratio of 0.29. This is in the lower half of the industry: FULT underperforms 66.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 7.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.08% over the past year.
FULT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.04% yearly.
FULT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.16%.
The Revenue has been growing slightly by 7.41% on average over the past years.
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
Based on estimates for the next years, FULT will show a small growth in Earnings Per Share. The EPS will grow by 6.27% on average per year.
Based on estimates for the next years, FULT will show a small growth in Revenue. The Revenue will grow by 7.34% on average per year.
EPS Next Y11.65%
EPS Next 2Y5.79%
EPS Next 3Y6.27%
EPS Next 5YN/A
Revenue Next Year14.75%
Revenue Next 2Y4.87%
Revenue Next 3Y7.34%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.37, which indicates a very decent valuation of FULT.
87.89% of the companies in the same industry are more expensive than FULT, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FULT to the average of the S&P500 Index (25.46), we can say FULT is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.33, the valuation of FULT can be described as very reasonable.
Based on the Price/Forward Earnings ratio, FULT is valued a bit cheaper than 71.65% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.39, FULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 8.33 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FULT indicates a slightly more expensive valuation: FULT is more expensive than 72.42% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FULT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.72
PEG (5Y)1.39
EPS Next 2Y5.79%
EPS Next 3Y6.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.08%, FULT is a good candidate for dividend investing.
FULT's Dividend Yield is a higher than the industry average which is at 3.39.
FULT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.08% |
5.2 History
The dividend of FULT is nicely growing with an annual growth rate of 6.62%!
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
FULT pays out 44.19% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of FULT is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP44.19%
EPS Next 2Y5.79%
EPS Next 3Y6.27%
NASDAQ:FULT (11/19/2025, 2:58:05 PM)
17.24
-0.01 (-0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners77.98%
Inst Owner Change1.45%
Ins Owners1.1%
Ins Owner Change-0.71%
Market Cap3.14B
Revenue(TTM)1.30B
Net Income(TTM)313.76M
Analysts81.82
Price Target20.81 (20.71%)
Short Float %3.23%
Short Ratio3.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.08% |
Yearly Dividend0.76
Dividend Growth(5Y)6.62%
DP44.19%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.14%
Min EPS beat(2)15.6%
Max EPS beat(2)18.68%
EPS beat(4)4
Avg EPS beat(4)14.44%
Min EPS beat(4)10.69%
Max EPS beat(4)18.68%
EPS beat(8)8
Avg EPS beat(8)14.37%
EPS beat(12)9
Avg EPS beat(12)6.91%
EPS beat(16)12
Avg EPS beat(16)9.16%
Revenue beat(2)0
Avg Revenue beat(2)-1.63%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-1.17%
Revenue beat(4)0
Avg Revenue beat(4)-2.03%
Min Revenue beat(4)-4.02%
Max Revenue beat(4)-0.86%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
Revenue beat(12)6
Avg Revenue beat(12)4.85%
Revenue beat(16)10
Avg Revenue beat(16)12.26%
PT rev (1m)-1.92%
PT rev (3m)-1.92%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)-0.78%
EPS NY rev (1m)1.22%
EPS NY rev (3m)8.98%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)0.44%
Revenue NY rev (1m)6.79%
Revenue NY rev (3m)7.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 8.33 | ||
| P/S | 2.45 | ||
| P/FCF | 23.15 | ||
| P/OCF | 16.7 | ||
| P/B | 0.94 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY11.95%
EPS(NY)2.07
Fwd EY12.01%
FCF(TTM)0.74
FCFY4.32%
OCF(TTM)1.03
OCFY5.99%
SpS7.03
BVpS18.28
TBVpS14.86
PEG (NY)0.72
PEG (5Y)1.39
Graham Number29.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 9.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.52% | ||
| GM | N/A | ||
| FCFM | 10.6% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 7.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 84.4% | ||
| Cap/Sales | 4.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 43.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.86%
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 Y11.65%
EPS Next 2Y5.79%
EPS Next 3Y6.27%
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 2Y4.87%
Revenue Next 3Y7.34%
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-83.15%
FCF growth 3Y4.85%
FCF growth 5Y31.82%
OCF growth 1Y-77.37%
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 3 / 10 to FULT.
Can you provide the valuation status for FULTON FINANCIAL CORP?
ChartMill assigns a valuation rating of 5 / 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 3 / 10.
Can you provide the PE and PB ratios for FULT stock?
The Price/Earnings (PE) ratio for FULTON FINANCIAL CORP (FULT) is 8.37 and the Price/Book (PB) ratio is 0.94.
Can you provide the dividend sustainability for FULT stock?
The dividend rating of FULTON FINANCIAL CORP (FULT) is 6 / 10 and the dividend payout ratio is 44.19%.