FULT Fundamental Analysis - FULTON FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to FULT. FULT was compared to 392 industry peers in the Banks industry. FULT may be in some trouble as it scores bad on both profitability and health. FULT is not valued too expensively and it also shows a decent growth rate. FULT also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year FULT was profitable.

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.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.98%, FULT is in the better half of the industry, outperforming 61.73% of the companies in the same industry.

FULT has a Return On Equity (9.42%) which is comparable to the rest of the industry.

		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 has a Profit Margin (24.52%) which is in line with 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)	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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

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 more shares outstanding

The number of shares outstanding for FULT has been increased compared to 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.

With a Debt to FCF ratio value of 7.18, FULT is not doing good in the industry: 72.96% of the companies in the same industry are doing better.

FULT has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.29, FULT is not doing good in the industry: 67.35% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.29
Debt/FCF	7.18
Altman-Z	N/A

ROIC/WACCN/A

WACC15.52%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

FULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.71%, which is quite good.

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 12.26%.

The Revenue has been growing slightly by 7.41% on average over the past years.

EPS 1Y (TTM)18.71%

EPS 3Y4.31%

EPS 5Y6.04%

EPS Q2Q%12.77%

Revenue 1Y (TTM)12.26%

Revenue growth 3Y9.66%

Revenue growth 5Y7.41%

Sales Q2Q%5.46%

3.2 Future

The Earnings Per Share is expected to grow by 6.47% on average over the next years.

Based on estimates for the next years, FULT will show a small growth in Revenue. The Revenue will grow by 5.16% on average per year.

EPS Next Y10.76%

EPS Next 2Y6.47%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year7.45%

Revenue Next 2Y5.16%

Revenue Next 3YN/A

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 decreasing.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.59, the valuation of FULT can be described as very reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of FULT indicates a rather cheap valuation: FULT is cheaper than 86.22% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of FULT to the average of the S&P500 Index (27.41), we can say FULT is valued rather cheaply.

FULT is valuated reasonably with a Price/Forward Earnings ratio of 9.28.

Based on the Price/Forward Earnings ratio, FULT is valued a bit cheaper than 71.17% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of FULT to the average of the S&P500 Index (22.88), we can say FULT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.59
Fwd PE	9.28

4.2 Price Multiples

FULT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. FULT is more expensive than 74.49% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	26.15
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)0.89

PEG (5Y)1.59

EPS Next 2Y6.47%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

FULT has a Yearly Dividend Yield of 6.45%, which is a nice return.

Compared to an average industry Dividend Yield of 3.73, FULT pays a better dividend. On top of this FULT pays more dividend than 87.24% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, FULT pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.45%

5.2 History

The dividend of FULT is nicely growing with an annual growth rate of 6.62%!

FULT has been paying a dividend for at least 10 years, so it has 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 2Y6.47%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

FULTON FINANCIAL CORP

NASDAQ:FULT (9/18/2025, 8:00:00 PM)

After market: 19.47 0 (0%)

19.47

+0.41 (+2.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-15 2025-07-15/amc

Earnings (Next)10-13 2025-10-13/amc

Inst Owners76.39%

Inst Owner Change0.41%

Ins Owners1.11%

Ins Owner Change6.51%

Market Cap3.55B

Analysts78.33

Price Target21.22 (8.99%)

Short Float %2.18%

Short Ratio2.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.45%

Yearly Dividend0.76

Dividend Growth(5Y)6.62%

DP44.19%

Div Incr Years1

Div Non Decr Years1

Ex-Date07-01 2025-07-01 (0.18)

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)0%

PT rev (3m)5.32%

EPS NQ rev (1m)-0.67%

EPS NQ rev (3m)3.27%

EPS NY rev (1m)8.11%

EPS NY rev (3m)8.51%

Revenue NQ rev (1m)0.5%

Revenue NQ rev (3m)1.39%

Revenue NY rev (1m)0.38%

Revenue NY rev (3m)1.63%

Valuation

		Industry Rank	Sector Rank
PE	9.59
Fwd PE	9.28
P/S	2.77
P/FCF	26.15
P/OCF	18.86
P/B	1.06
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)2.03

EY10.43%

EPS(NY)2.1

Fwd EY10.77%

FCF(TTM)0.74

FCFY3.82%

OCF(TTM)1.03

OCFY5.3%

SpS7.03

BVpS18.28

TBVpS14.86

PEG (NY)0.89

PEG (5Y)1.59

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

ROICexcg growth 3YN/A

ROICexcg 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

WACC15.52%

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)18.71%

EPS 3Y4.31%

EPS 5Y6.04%

EPS Q2Q%12.77%

EPS Next Y10.76%

EPS Next 2Y6.47%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)12.26%

Revenue growth 3Y9.66%

Revenue growth 5Y7.41%

Sales Q2Q%5.46%

Revenue Next Year7.45%

Revenue Next 2Y5.16%

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-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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens