19.7 USD
-0.12 (-0.61%)
19.7 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FULT. FULT was compared to 388 industry peers in the Banks industry. FULT has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
FULT had positive earnings in each of the past 5 years.
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 70.62% of its industry peers.
The Return On Equity of FULT (10.28%) is better than 64.95% 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 better Profit Margin (27.07%) than 65.46% 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.
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.
The debt/assets ratio for FULT has been reduced compared to a year ago.
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.
FULT has a worse Debt to FCF ratio (3.64) than 65.21% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that FULT is not too dependend on debt financing.
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 67.78% 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
The Earnings Per Share has grown by an nice 15.08% over the past year.
The Earnings Per Share has been growing slightly by 6.04% on average over the past years.
FULT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.16%.
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
Based on estimates for the next years, FULT will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.29% on average per year.
FULT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.95% yearly.
EPS Next Y13.24%
EPS Next 2Y6.93%
EPS Next 3Y8.29%
EPS Next 5YN/A
Revenue Next Year14.75%
Revenue Next 2Y15.06%
Revenue Next 3Y11.95%
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
With a Price/Earnings ratio of 9.56, the valuation of FULT can be described as very reasonable.
84.79% of the companies in the same industry are more expensive than FULT, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FULT to the average of the S&P500 Index (26.77), we can say FULT is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.31, the valuation of FULT can be described as very reasonable.
FULT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FULT is cheaper than 68.56% of the companies in the same industry.
FULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 9.31 |
4.2 Price Multiples
FULT's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.66 | ||
| 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)0.72
PEG (5Y)1.58
EPS Next 2Y6.93%
EPS Next 3Y8.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.76%, FULT has a reasonable but not impressive dividend return.
FULT's Dividend Yield is a higher than the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, FULT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
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
40.37% of the earnings are spent on dividend by FULT. This is a bit on the high side, but may be sustainable.
FULT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP40.37%
EPS Next 2Y6.93%
EPS Next 3Y8.29%
19.7
-0.12 (-0.61%)
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 Cap3.56B
Revenue(TTM)1.30B
Net Income(TTM)351.01M
Analysts81.82
Price Target21.52 (9.24%)
Short Float %3.69%
Short Ratio3.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
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)2.43%
PT rev (3m)1.44%
EPS NQ rev (1m)5.07%
EPS NQ rev (3m)3.22%
EPS NY rev (1m)1.42%
EPS NY rev (3m)2.66%
Revenue NQ rev (1m)5.51%
Revenue NQ rev (3m)6.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 9.31 | ||
| P/S | 2.74 | ||
| P/FCF | 12.66 | ||
| P/OCF | 10.58 | ||
| P/B | 1.04 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY10.46%
EPS(NY)2.12
Fwd EY10.74%
FCF(TTM)1.56
FCFY7.9%
OCF(TTM)1.86
OCFY9.46%
SpS7.18
BVpS18.9
TBVpS15.48
PEG (NY)0.72
PEG (5Y)1.58
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 Y13.24%
EPS Next 2Y6.93%
EPS Next 3Y8.29%
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 2Y15.06%
Revenue Next 3Y11.95%
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 9.56 and the Price/Book (PB) ratio is 1.04.
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%.