22.58 USD
-0.14 (-0.62%)
At close: Feb 10, 2026
22.58 USD
0 (0%)
After Hours: 2/10/2026, 8:10:13 PM
We assign a fundamental rating of 4 out of 10 to FULT. 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 has a correct valuation and a medium 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.
- FULT had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- FULT's Return On Assets of 1.10% is fine compared to the rest of the industry. FULT outperforms 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 Rank | Sector 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
1.3 Margins
- FULT's Profit Margin of 27.07% is fine compared to the rest of the industry. FULT outperforms 65.35% of its industry peers.
- FULT's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for FULT so they could not be analyzed.
| Industry Rank | Sector 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
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 reduced compared to 1 year ago.
- The number of shares outstanding for FULT has been increased compared to 5 years ago.
- FULT has a worse 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.
- 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's Debt to Equity ratio of 0.30 is on the low side compared to the rest of the industry. FULT is outperformed by 66.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.61%
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 14.05%, which is quite good.
- FULT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.33% yearly.
- The Revenue has been growing slightly by 6.23% in the past 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 6.37% 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 13.68% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
- FULT is valuated reasonably with a Price/Earnings ratio of 10.70.
- Based on the Price/Earnings ratio, FULT is valued a bit cheaper than 79.53% of the companies in the same industry.
- FULT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
- Based on the Price/Forward Earnings ratio of 10.70, the valuation of FULT can be described as reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as FULT.
- When comparing the Price/Forward Earnings ratio of FULT to the average of the S&P500 Index (27.97), we can say FULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.7 | ||
| Fwd PE | 10.7 |
4.2 Price Multiples
- FULT's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.51 | ||
| EV/EBITDA | N/A |
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)355.59
PEG (5Y)0.75
EPS Next 2Y6.37%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FULT has a Yearly Dividend Yield of 3.41%.
- Compared to an average industry Dividend Yield of 2.53, FULT pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.80, FULT pays a better dividend.
| Industry Rank | Sector 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 been paying a dividend for at least 10 years, so it has a reliable track record.
- The dividend of FULT decreased recently.
Dividend Growth(5Y)6.62%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- FULT pays out 40.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
- FULT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.37%
EPS Next 2Y6.37%
EPS Next 3YN/A
22.58
-0.14 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2026-01-21/amc
Earnings (Next)04-13 2026-04-13
Inst Owners79.43%
Inst Owner Change-3.2%
Ins Owners1.11%
Ins Owner Change-0.09%
Market Cap4.08B
Revenue(TTM)1.31B
Net Income(TTM)351.01M
Analysts81.82
Price Target23.21 (2.79%)
Short Float %4.84%
Short Ratio4.62
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.7 | ||
| Fwd PE | 10.7 | ||
| P/S | 3.14 | ||
| P/FCF | 14.51 | ||
| P/OCF | 12.12 | ||
| P/B | 1.19 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.11
EY9.34%
EPS(NY)2.11
Fwd EY9.35%
FCF(TTM)1.56
FCFY6.89%
OCF(TTM)1.86
OCFY8.25%
SpS7.18
BVpS18.9
TBVpS15.48
PEG (NY)355.59
PEG (5Y)0.75
Graham Number29.96
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)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 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-Score7
WACC14.61%
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 10.7 and the Price/Book (PB) ratio is 1.19.
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%.