20.71 USD
+0.2 (+0.98%)
Taking everything into account, FULT scores 3 out of 10 in our fundamental rating. FULT was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of FULT have multiple concerns. FULT has a valuation in line with the averages, but it does not seem to be growing.
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 4 of the past 5 years.
- Of the past 5 years FULT 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.10%, FULT is in the better half of the industry, outperforming 70.76% of the companies in the same industry.
- The Return On Equity of FULT (10.28%) is better than 64.75% 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 65.54% of its industry peers.
- 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.
- FULT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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's Debt to FCF ratio of 3.64 is on the low side compared to the rest of the industry. FULT is outperformed by 65.27% of its industry peers.
- FULT has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.30, FULT is doing worse than 67.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.16%
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 15.14%, which is quite good.
- Measured over the past years, FULT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.55% on average per year.
EPS 1Y (TTM)15.14%
EPS 3Y8.45%
EPS 5Y14.55%
EPS Q2Q%14.58%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%34.21%
3.2 Future
- Based on estimates for the next years, FULT will show a small growth in Earnings Per Share. The EPS will grow by 5.02% on average per year.
- Based on estimates for the next years, FULT will show a quite strong growth in Revenue. The Revenue will grow by 10.57% on average per year.
EPS Next Y-0.68%
EPS Next 2Y5.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.37%
Revenue Next 2Y10.57%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 9.72, the valuation of FULT can be described as very reasonable.
- FULT's Price/Earnings ratio is rather cheap when compared to the industry. FULT is cheaper than 88.25% of the companies in the same industry.
- FULT is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 9.79, the valuation of FULT can be described as reasonable.
- Based on the Price/Forward Earnings ratio, FULT is valued a bit cheaper than 69.71% of the companies in the same industry.
- FULT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 9.79 |
4.2 Price Multiples
- FULT's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.67
EPS Next 2Y5.02%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FULT has a Yearly Dividend Yield of 3.86%. Purely for dividend investing, there may be better candidates out there.
- FULT's Dividend Yield is a higher than the industry average which is at 2.91.
- FULT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
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.
- FULT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.37%
EPS Next 2Y5.02%
EPS Next 3YN/A
NASDAQ:FULT (1/22/2026, 10:01:08 AM)
20.71
+0.2 (+0.98%)
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-0.19%
Ins Owners1.11%
Ins Owner Change-0.67%
Market Cap3.74B
Revenue(TTM)N/A
Net Income(TTM)351.01M
Analysts81.82
Price Target21.52 (3.91%)
Short Float %4.57%
Short Ratio4.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
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)0.48%
PT rev (3m)1.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.22%
EPS NY rev (1m)0%
EPS NY rev (3m)2.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 9.79 | ||
| P/S | 2.88 | ||
| P/FCF | 13.31 | ||
| P/OCF | 11.12 | ||
| P/B | 1.1 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.13
EY10.28%
EPS(NY)2.12
Fwd EY10.21%
FCF(TTM)1.56
FCFY7.51%
OCF(TTM)1.86
OCFY8.99%
SpS7.18
BVpS18.9
TBVpS15.48
PEG (NY)N/A
PEG (5Y)0.67
Graham Number30.1
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
WACC15.16%
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)15.14%
EPS 3Y8.45%
EPS 5Y14.55%
EPS Q2Q%14.58%
EPS Next Y-0.68%
EPS Next 2Y5.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%34.21%
Revenue Next Year15.37%
Revenue Next 2Y10.57%
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-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.
What is the valuation status of FULTON FINANCIAL CORP (FULT) stock?
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.
What are the PE and PB ratios of FULTON FINANCIAL CORP (FULT) stock?
The Price/Earnings (PE) ratio for FULTON FINANCIAL CORP (FULT) is 9.72 and the Price/Book (PB) ratio is 1.1.
How sustainable is the dividend of FULTON FINANCIAL CORP (FULT) stock?
The dividend rating of FULTON FINANCIAL CORP (FULT) is 6 / 10 and the dividend payout ratio is 40.37%.