FULTON FINANCIAL CORP (FULT) Stock Fundamental Analysis

NASDAQ:FULT • US3602711000

21.92 USD
-0.26 (-1.17%)
At close: Feb 12, 2026
21.92 USD
0 (0%)
After Hours: 2/12/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FULT scores 4 out of 10 in our fundamental rating. FULT was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of FULT while its profitability can be described as average. FULT is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year FULT was profitable.
  • FULT had a positive operating cash flow in the past year.
  • FULT had positive earnings in each of the past 5 years.
  • Of the past 5 years FULT 4 years had a positive operating cash flow.
FULT Yearly Net Income VS EBIT VS OCF VS FCFFULT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

1.2 Ratios

  • The Return On Assets of FULT (1.10%) is better than 69.55% of its industry peers.
  • With a decent Return On Equity value of 10.28%, FULT is doing good in the industry, outperforming 64.83% of the companies in the same industry.
Industry RankSector Rank
ROA 1.1%
ROE 10.28%
ROIC N/A
ROA(3y)1.02%
ROA(5y)1.02%
ROE(3y)9.85%
ROE(5y)10.01%
ROIC(3y)N/A
ROIC(5y)N/A
FULT Yearly ROA, ROE, ROICFULT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 27.07%, FULT is doing good in the industry, outperforming 65.09% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FULT has grown nicely.
  • The Operating Margin and Gross Margin are not available for FULT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.92%
PM growth 5Y7.51%
GM growth 3YN/A
GM growth 5YN/A
FULT Yearly Profit, Operating, Gross MarginsFULT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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 less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FULT has more shares outstanding
  • FULT has a worse debt/assets ratio than last year.
FULT Yearly Shares OutstandingFULT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
FULT Yearly Total Debt VS Total AssetsFULT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • FULT has a debt to FCF ratio of 3.64. This is a good value and a sign of high solvency as FULT would need 3.64 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 3.64, FULT is not doing good in the industry: 65.35% of the companies in the same industry are doing better.
  • FULT has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • FULT has a worse Debt to Equity ratio (0.30) than 66.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.64
Altman-Z N/A
ROIC/WACCN/A
WACC14.72%
FULT Yearly LT Debt VS Equity VS FCFFULT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FULT Yearly Current Assets VS Current LiabilitesFULT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 14.05% over the past year.
  • Measured over the past years, FULT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.33% on average per year.
  • FULT shows a small growth in Revenue. In the last year, the Revenue has grown by 6.23%.
  • Measured over the past years, FULT shows a quite strong growth in Revenue. The Revenue has been growing by 8.58% on average per year.
EPS 1Y (TTM)14.05%
EPS 3Y8.11%
EPS 5Y14.33%
EPS Q2Q%10.42%
Revenue 1Y (TTM)6.23%
Revenue growth 3Y9.19%
Revenue growth 5Y8.58%
Sales Q2Q%4.88%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.37% on average over the next years.
  • Based on estimates for the next years, FULT will show a quite strong growth in Revenue. The Revenue will grow by 13.68% on average per year.
EPS Next Y0.03%
EPS Next 2Y6.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.35%
Revenue Next 2Y13.68%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FULT Yearly Revenue VS EstimatesFULT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B
FULT Yearly EPS VS EstimatesFULT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.39, the valuation of FULT can be described as very reasonable.
  • Based on the Price/Earnings ratio, FULT is valued a bit cheaper than the industry average as 79.27% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.67. FULT is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 10.39 indicates a reasonable valuation of FULT.
  • The rest of the industry has a similar Price/Forward Earnings ratio as FULT.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.69, FULT is valued rather cheaply.
Industry RankSector Rank
PE 10.39
Fwd PE 10.39
FULT Price Earnings VS Forward Price EarningsFULT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FULT.
Industry RankSector Rank
P/FCF 14.09
EV/EBITDA N/A
FULT Per share dataFULT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)345.2
PEG (5Y)0.72
EPS Next 2Y6.37%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • FULT has a Yearly Dividend Yield of 3.41%.
  • FULT's Dividend Yield is a higher than the industry average which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.80, FULT pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.41%

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
FULT Yearly Dividends per shareFULT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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.
  • The dividend of FULT is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.37%
EPS Next 2Y6.37%
EPS Next 3YN/A
FULT Yearly Income VS Free CF VS DividendFULT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
FULT Dividend Payout.FULT Dividend Payout, showing the Payout Ratio.FULT Dividend Payout.PayoutRetained Earnings

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FULTON FINANCIAL CORP

NASDAQ:FULT (2/12/2026, 8:00:00 PM)

After market: 21.92 0 (0%)

21.92

-0.26 (-1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-13
Inst Owners79.43%
Inst Owner Change-3.2%
Ins Owners1.11%
Ins Owner Change-0.09%
Market Cap3.96B
Revenue(TTM)1.31B
Net Income(TTM)351.01M
Analysts81.82
Price Target23.21 (5.89%)
Short Float %4.84%
Short Ratio4.62
Dividend
Industry RankSector Rank
Dividend Yield 3.41%
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)7.82%
PT rev (3m)11.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.45%
EPS NY rev (1m)-0.23%
EPS NY rev (3m)1.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.31%
Revenue NY rev (1m)6.05%
Revenue NY rev (3m)27.18%
Valuation
Industry RankSector Rank
PE 10.39
Fwd PE 10.39
P/S 3.05
P/FCF 14.09
P/OCF 11.77
P/B 1.16
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)2.11
EY9.63%
EPS(NY)2.11
Fwd EY9.63%
FCF(TTM)1.56
FCFY7.1%
OCF(TTM)1.86
OCFY8.5%
SpS7.18
BVpS18.9
TBVpS15.48
PEG (NY)345.2
PEG (5Y)0.72
Graham Number29.96
Profitability
Industry RankSector 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)1.02%
ROA(5y)1.02%
ROE(3y)9.85%
ROE(5y)10.01%
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 3Y1.92%
PM growth 5Y7.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector 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-Score7
WACC14.72%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.05%
EPS 3Y8.11%
EPS 5Y14.33%
EPS Q2Q%10.42%
EPS Next Y0.03%
EPS Next 2Y6.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.23%
Revenue growth 3Y9.19%
Revenue growth 5Y8.58%
Sales Q2Q%4.88%
Revenue Next Year22.35%
Revenue Next 2Y13.68%
Revenue Next 3YN/A
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 1Y30.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y45.47%
OCF growth 3YN/A
OCF growth 5YN/A

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 4 / 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 10.39 and the Price/Book (PB) ratio is 1.16.


How sustainable is the dividend of FULTON FINANCIAL CORP (FULT) stock?

The dividend rating of FULTON FINANCIAL CORP (FULT) is 5 / 10 and the dividend payout ratio is 40.37%.