Fulton Financial Corporation (FULT) AI Stock Analysis

Established in 1882 and headquartered in Lancaster, Pennsylvania, Fulton Financial Corporation operates as a diversified financial holding company offering consumer and commercial banking products and services. Its core offerings include checking accounts, savings accounts, certificates of deposit, and individual retirement accounts, alongside secured consumer loans such as home equity, automobile, and personal lines of credit. For commercial clients, the company provides commercial real estate, commercial and industrial, construction, and equipment lease financing, supported by cash management solutions. Additionally, Fulton Financial delivers wealth management services, including investment management, trust services, brokerage, insurance, and advisory products through branches, ATMs, telephone, mobile, and online platforms.

Between FY2021 and FY2025, Fulton Financial expanded revenue from $997.2M to $1.89B, reflecting a 5-year revenue CAGR of 14.2%. Annual revenue grew 2.6% in FY2021, 9.5% in FY2022, 37.5% in FY2023, 20.0% in FY2024, and 5.0% in FY2025. Net income increased from $275.5M in FY2021 to $391.6M in FY2025, with diluted EPS rising from $1.80 to $2.17. Over the same period, net margin shifted from 27.6% in FY2021 to 16.0% in FY2024 before recovering to 20.7% in FY2025. For the trailing twelve months ended June 30, 2026, revenue was $1.33B with an operating margin of 42.4%. In the latest quarter, quarterly revenue grew 13.7% year-over-year, while quarterly earnings declined 1.9%.

As of June 30, 2026, Fulton Financial reported total assets of $34.56B and shareholders' equity of $3.82B. The company held $6.39B in cash and short-term investments against total debt of $1.71B, resulting in net cash of $4.67B and a debt-to-equity ratio of 0.45. In FY2025, operating cash flow reached $304.5M, supporting free cash flow of $284.3M after capital expenditures of $20.1M. Cash deployment during FY2025 included $141.2M in dividends paid and $66.0M allocated to share buybacks.

Fulton Financial trades at a trailing P/E of 10.8x and a forward P/E of 10.2x, below the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales ratio is 3.2x, matching the peer group median of 3.2x, while its price-to-book ratio stands at 1.2x. Over the past year, the stock returned 38.2%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, its 71.2% return trailed the SPY return of 83.0%.

Fulton Financial pays a quarterly dividend with a forward annual rate of $0.76, providing a dividend yield of 3.39% as of October 16, 2026. The payout ratio stands at 33.8%. The company has paid dividends for 42 consecutive years, delivering a 5-year annualized dividend growth rate of 5.4%. Its most recent ex-dividend date was October 1, 2026.

Analyst ratings include 2 Strong Buy, 0 Buy, 5 Hold, 0 Sell, and 0 Strong Sell recommendations. The mean price target is $26.42, which is 17.9% above the last close of $22.40. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $2.21 on revenue of $1.44B. The company beat EPS estimates in each of the last 4 quarters, with its next earnings date scheduled for October 21, 2026.

This page is an AI-written research summary of Fulton Financial Corporation (FULT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FULT income statement, FULT balance sheet, FULT key metrics, FULT analyst forecast, FULT chart. See the FULT stock overview for the latest quote and news.