FULTON FINANCIAL CORP (FULT) Fundamental Analysis & Valuation

NASDAQ:FULT • US3602711000

Current stock price

20.443 USD
-0.09 (-0.42%)
Last:

This FULT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FULT Profitability Analysis

1.1 Basic Checks

  • FULT had positive earnings in the past year.
  • FULT had a positive operating cash flow in the past year.
  • Each year in the past 5 years FULT has been profitable.
  • In the past 5 years FULT always reported a positive cash flow from operatings.
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

  • FULT has a Return On Assets of 1.19%. This is in the better half of the industry: FULT outperforms 73.16% of its industry peers.
  • With a decent Return On Equity value of 10.93%, FULT is doing good in the industry, outperforming 67.63% of the companies in the same industry.
Industry RankSector Rank
ROA 1.19%
ROE 10.93%
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

  • FULT has a Profit Margin of 29.04%. This is in the better half of the industry: FULT outperforms 70.00% of its industry peers.
  • FULT's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 29.04%
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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1

2. FULT Health Analysis

2.1 Basic Checks

  • FULT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FULT has less shares outstanding
  • FULT has more shares outstanding than it did 5 years ago.
  • 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

  • The Debt to FCF ratio of FULT is 3.68, which is a good value as it means it would take FULT, 3.68 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.68, FULT is doing worse than 62.89% of the companies in the same industry.
  • FULT has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FULT (0.30) is worse than 67.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.68
Altman-Z N/A
ROIC/WACCN/A
WACC15.69%
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. FULT Growth Analysis

3.1 Past

  • FULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.05%, which is quite good.
  • The Earnings Per Share has been growing by 14.33% on average over the past years. This is quite good.
  • Looking at the last year, FULT shows a small growth in Revenue. The Revenue has grown by 6.23% in the last year.
  • 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 6.09% on average over the next years.
  • FULT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.55% yearly.
EPS Next Y-0.45%
EPS Next 2Y6.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.05%
Revenue Next 2Y12.55%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 accelerating.
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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5

4. FULT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.69, which indicates a very decent valuation of FULT.
  • FULT's Price/Earnings ratio is rather cheap when compared to the industry. FULT is cheaper than 82.63% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, FULT is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.73, which indicates a very decent valuation of FULT.
  • Based on the Price/Forward Earnings ratio, FULT is valued a bit cheaper than 60.53% of the companies in the same industry.
  • FULT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.05.
Industry RankSector Rank
PE 9.69
Fwd PE 9.73
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

  • FULT's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.94
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

PEG (NY)N/A
PEG (5Y)0.68
EPS Next 2Y6.09%
EPS Next 3YN/A

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

6

5. FULT Dividend Analysis

5.1 Amount

  • FULT has a Yearly Dividend Yield of 3.86%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, FULT pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, FULT pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.86%

5.2 History

  • The dividend of FULT is nicely growing with an annual growth rate of 6.92%!
  • FULT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FULT has decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.92%
Div Incr Years2
Div Non Decr Years2
FULT Yearly Dividends per shareFULT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • FULT pays out 37.03% of its income as dividend. This is a sustainable payout ratio.
  • FULT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.03%
EPS Next 2Y6.09%
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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FULT Fundamentals: All Metrics, Ratios and Statistics

FULTON FINANCIAL CORP

NASDAQ:FULT (4/6/2026, 9:52:05 AM)

20.443

-0.09 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-22
Inst Owners80.58%
Inst Owner Change-0.01%
Ins Owners1.11%
Ins Owner Change-0.35%
Market Cap3.68B
Revenue(TTM)1.31B
Net Income(TTM)381.36M
Analysts78.33
Price Target23.72 (16.03%)
Short Float %6.25%
Short Ratio5.31
Dividend
Industry RankSector Rank
Dividend Yield 3.86%
Yearly Dividend0.78
Dividend Growth(5Y)6.92%
DP37.03%
Div Incr Years2
Div Non Decr Years2
Ex-Date04-01
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.97%
Min EPS beat(2)3.3%
Max EPS beat(2)4.63%
EPS beat(4)4
Avg EPS beat(4)10.55%
Min EPS beat(4)3.3%
Max EPS beat(4)18.68%
EPS beat(8)8
Avg EPS beat(8)14.83%
EPS beat(12)11
Avg EPS beat(12)9.13%
EPS beat(16)13
Avg EPS beat(16)7.56%
Revenue beat(2)0
Avg Revenue beat(2)-3.85%
Min Revenue beat(2)-6.36%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-2.74%
Min Revenue beat(4)-6.36%
Max Revenue beat(4)-1.17%
Revenue beat(8)1
Avg Revenue beat(8)-2.43%
Revenue beat(12)4
Avg Revenue beat(12)-0.25%
Revenue beat(16)8
Avg Revenue beat(16)7.14%
PT rev (1m)2.2%
PT rev (3m)10.19%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.7%
Revenue NQ rev (1m)-2.85%
Revenue NQ rev (3m)5.95%
Revenue NY rev (1m)-3.07%
Revenue NY rev (3m)4.06%
Valuation
Industry RankSector Rank
PE 9.69
Fwd PE 9.73
P/S 2.8
P/FCF 12.94
P/OCF 12.09
P/B 1.05
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)2.11
EY10.32%
EPS(NY)2.1
Fwd EY10.28%
FCF(TTM)1.58
FCFY7.73%
OCF(TTM)1.69
OCFY8.27%
SpS7.29
BVpS19.39
TBVpS15.99
PEG (NY)N/A
PEG (5Y)0.68
Graham Number30.34
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 10.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.04%
GM N/A
FCFM 21.65%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.68
Debt/EBITDA N/A
Cap/Depr 39.71%
Cap/Sales 1.53%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 74.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.69%
ROIC/WACCN/A
Cap/Depr(3y)71.36%
Cap/Depr(5y)68.15%
Cap/Sales(3y)2.67%
Cap/Sales(5y)2.4%
Profit Quality(3y)109.78%
Profit Quality(5y)132.06%
High Growth Momentum
Growth
EPS 1Y (TTM)14.05%
EPS 3Y8.11%
EPS 5Y14.33%
EPS Q2Q%10.42%
EPS Next Y-0.45%
EPS Next 2Y6.09%
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 Year20.05%
Revenue Next 2Y12.55%
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 1Y-24%
FCF growth 3Y-21.02%
FCF growth 5Y15.69%
OCF growth 1Y-26.91%
OCF growth 3Y-20.16%
OCF growth 5Y14.11%

FULTON FINANCIAL CORP / FULT Fundamental Analysis 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 5 / 10 to FULTON FINANCIAL CORP (FULT). This can be considered as Fairly Valued.


Can you provide the profitability details for FULTON FINANCIAL CORP?

FULTON FINANCIAL CORP (FULT) has a profitability rating of 4 / 10.


What is the earnings growth outlook for FULTON FINANCIAL CORP?

The Earnings per Share (EPS) of FULTON FINANCIAL CORP (FULT) is expected to decline by -0.45% in the next year.


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 37.03%.