19.91 USD
+0.03 (+0.15%)
19.91 USD
0 (0%)
Taking everything into account, FULT scores 4 out of 10 in our fundamental rating. FULT was compared to 385 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
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.
FULT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.10%, FULT is doing good in the industry, outperforming 70.91% of the companies in the same industry.
FULT has a better Return On Equity (10.28%) than 65.19% 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
FULT has a Profit Margin of 27.07%. This is in the better half of the industry: FULT outperforms 66.23% of its industry peers.
FULT's Profit Margin has declined 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 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.
The number of shares outstanding for FULT has been increased compared to 5 years ago.
Compared to 1 year ago, FULT has an improved debt to assets ratio.
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.
The Debt to FCF ratio of FULT (3.64) is worse than 64.68% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that FULT is not too dependend on debt financing.
FULT has a Debt to Equity ratio of 0.30. This is in the lower half of the industry: FULT underperforms 68.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.33%
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.
The Revenue has grown by 9.16% in the past year. This is quite good.
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
FULT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.93% yearly.
The Revenue is expected to grow by 10.05% on average over the next years. This is quite good.
EPS Next Y13.2%
EPS Next 2Y6.42%
EPS Next 3Y7.93%
EPS Next 5YN/A
Revenue Next Year13.43%
Revenue Next 2Y11.34%
Revenue Next 3Y10.05%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.67, 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 85.45% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.55. FULT is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.50 indicates a reasonable valuation of FULT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FULT indicates a somewhat cheap valuation: FULT is cheaper than 70.65% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.78. FULT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.67 | ||
| Fwd PE | 9.5 |
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 | 12.8 | ||
| 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)1.6
EPS Next 2Y6.42%
EPS Next 3Y7.93%
5. Dividend
5.1 Amount
FULT has a Yearly Dividend Yield of 3.61%.
FULT's Dividend Yield is a higher than the industry average which is at 2.70.
FULT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
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.
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.
The dividend of FULT is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP40.37%
EPS Next 2Y6.42%
EPS Next 3Y7.93%
19.91
+0.03 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.12%
Inst Owner Change1.52%
Ins Owners1.11%
Ins Owner Change-0.67%
Market Cap3.60B
Revenue(TTM)1.30B
Net Income(TTM)351.01M
Analysts81.82
Price Target21.42 (7.58%)
Short Float %3.56%
Short Ratio4.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
Yearly Dividend0.76
Dividend Growth(5Y)6.62%
DP40.37%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)2.94%
PT rev (3m)0.96%
EPS NQ rev (1m)4.94%
EPS NQ rev (3m)3.09%
EPS NY rev (1m)1.39%
EPS NY rev (3m)2.21%
Revenue NQ rev (1m)-0.88%
Revenue NQ rev (3m)6.12%
Revenue NY rev (1m)-1.15%
Revenue NY rev (3m)5.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.67 | ||
| Fwd PE | 9.5 | ||
| P/S | 2.77 | ||
| P/FCF | 12.8 | ||
| P/OCF | 10.69 | ||
| P/B | 1.05 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY10.35%
EPS(NY)2.1
Fwd EY10.52%
FCF(TTM)1.56
FCFY7.81%
OCF(TTM)1.86
OCFY9.36%
SpS7.18
BVpS18.9
TBVpS15.48
PEG (NY)0.73
PEG (5Y)1.6
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
WACC15.33%
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 Y13.2%
EPS Next 2Y6.42%
EPS Next 3Y7.93%
EPS Next 5YN/A
Revenue 1Y (TTM)9.16%
Revenue growth 3Y9.66%
Revenue growth 5Y7.41%
Sales Q2Q%2.4%
Revenue Next Year13.43%
Revenue Next 2Y11.34%
Revenue Next 3Y10.05%
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.
Can you provide the valuation status for FULTON FINANCIAL CORP?
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.
Can you provide the PE and PB ratios for FULT stock?
The Price/Earnings (PE) ratio for FULTON FINANCIAL CORP (FULT) is 9.67 and the Price/Book (PB) ratio is 1.05.
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 40.37%.