18.25 USD
-0.04 (-0.22%)
18.25 USD
0 (0%)
FULT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 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 decent growth rate and is not valued too expensively. FULT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FULT had positive earnings in the past year.
In the past year FULT had a positive cash flow from operations.
Each year in the past 5 years FULT has been profitable.
FULT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FULT has a Return On Assets of 1.10%. This is in the better half of the industry: FULT outperforms 71.83% of its industry peers.
FULT has a Return On Equity of 10.28%. This is in the better half of the industry: FULT outperforms 65.12% 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
Looking at the Profit Margin, with a value of 27.07%, FULT is in the better half of the industry, outperforming 67.18% of the companies in the same industry.
In the last couple of years the Profit Margin of FULT has declined.
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.
Compared to 1 year ago, FULT has more shares outstanding
Compared to 5 years ago, FULT has more shares outstanding
The debt/assets ratio for FULT has been reduced compared to a year ago.
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.
FULT has a Debt to FCF ratio of 3.64. This is in the lower half of the industry: FULT underperforms 63.05% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that FULT is not too dependend on debt financing.
FULT has a worse Debt to Equity ratio (0.30) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.08% over the past year.
Measured over the past 5 years, FULT shows a small growth in Earnings Per Share. The EPS has been growing by 6.04% on average per year.
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 6.27% yearly.
FULT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.34% yearly.
EPS Next Y11.65%
EPS Next 2Y5.79%
EPS Next 3Y6.27%
EPS Next 5YN/A
Revenue Next Year14.75%
Revenue Next 2Y4.87%
Revenue Next 3Y7.34%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
FULT is valuated reasonably with a Price/Earnings ratio of 8.86.
FULT's Price/Earnings ratio is rather cheap when compared to the industry. FULT is cheaper than 87.60% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.15, FULT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.81, the valuation of FULT can be described as reasonable.
Based on the Price/Forward Earnings ratio, FULT is valued a bit cheaper than 71.83% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.12, FULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.86 | ||
| Fwd PE | 8.81 |
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 | 11.73 | ||
| 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)0.76
PEG (5Y)1.47
EPS Next 2Y5.79%
EPS Next 3Y6.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.17%, FULT is a good candidate for dividend investing.
FULT's Dividend Yield is rather good when compared to the industry average which is at 3.33. FULT pays more dividend than 80.62% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, FULT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
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.
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, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.37%
EPS Next 2Y5.79%
EPS Next 3Y6.27%
18.25
-0.04 (-0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners77.98%
Inst Owner Change1.53%
Ins Owners1.1%
Ins Owner Change-0.33%
Market Cap3.30B
Revenue(TTM)1.30B
Net Income(TTM)351.01M
Analysts81.82
Price Target21.01 (15.12%)
Short Float %3.23%
Short Ratio3.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
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)-0.96%
PT rev (3m)-0.96%
EPS NQ rev (1m)-1.25%
EPS NQ rev (3m)-2.43%
EPS NY rev (1m)1.42%
EPS NY rev (3m)8.98%
Revenue NQ rev (1m)0.6%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)6.89%
Revenue NY rev (3m)7.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.86 | ||
| Fwd PE | 8.81 | ||
| P/S | 2.54 | ||
| P/FCF | 11.73 | ||
| P/OCF | 9.8 | ||
| P/B | 0.97 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY11.29%
EPS(NY)2.07
Fwd EY11.35%
FCF(TTM)1.56
FCFY8.53%
OCF(TTM)1.86
OCFY10.21%
SpS7.18
BVpS18.9
TBVpS15.48
PEG (NY)0.76
PEG (5Y)1.47
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
WACC15.57%
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 Y11.65%
EPS Next 2Y5.79%
EPS Next 3Y6.27%
EPS Next 5YN/A
Revenue 1Y (TTM)9.16%
Revenue growth 3Y9.66%
Revenue growth 5Y7.41%
Sales Q2Q%2.4%
Revenue Next Year14.75%
Revenue Next 2Y4.87%
Revenue Next 3Y7.34%
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 8.86 and the Price/Book (PB) ratio is 0.97.
Can you provide the dividend sustainability for FULT stock?
The dividend rating of FULTON FINANCIAL CORP (FULT) is 7 / 10 and the dividend payout ratio is 40.37%.