📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

Fulton Financial Corporation operates as the bank holding company for Fulton Bank that provides banking and financial products and services in the United States.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management used phrases like 'pleased with our strong second quarter operating earnings', 'record for the company', and 'first $100 million operating net income quarter in company history'. Specific numbers and growth rates were cited to support optimism.

Q3 2025

Confident Specific

Management used precise figures (operating EPS $0.55, NIM 3.57%, efficiency ratio 56.5%, ROA 1.29%, ROTCE 15.79%) and highlighted positive operating leverage and record revenue. Language was direct and affirmed strong performance.

Q4 2025

Confident Specific

Management repeatedly characterized 2025 as 'outstanding' and a 'record' for operating EPS of $2.16. They expressed confidence in returning to mid-single-digit loan growth and guided for higher NII and fee income in 2026, using precise figures and ranges.

Q1 2026 latest

Confident Specific

Management repeatedly used emphatic language such as 'solid execution', 'strong foundation', 'consistent execution', and 'positive operating leverage'. Specific quantified achievements were highlighted: operating EPS $0.55, ROAA 1.30%, ROTCE 14.76%, efficiency ratio 56.7%, and pre-provision net revenue of $141 million. The tone remained upbeat with no hedging or defensive language.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis appears stronger after this call. Management demonstrated consistent execution with stable NIM, positive operating leverage, and solid organic loan growth. The Blue Foundry acquisition is expected to be immediately accretive and provides entry into a stronger market. Credit quality remains stable with improving trends. The reaffirmed guidance and active share repurchases signal confidence in capital generation. However, investors should watch for integration costs, expense trajectory once the deal is absorbed, and the pace of deposit repricing. The main risk is a more pronounced economic slowdown affecting borrower sentiment, which management acknowledged. Next quarter, focus on the net interest margin trajectory post-closing, achievement of mid-single-digit loan growth, and any updates on cost saves from the acquisition.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Fulton Financial Q1 2026: operating EPS $0.55, ROA 1.30%, efficiency 56.7%

Revenue & Profitability

Operating net income available to common shareholders was $99.7 million, or $0.55 per diluted share. Net interest income totaled $262 million, non-interest income $69.8 million. Operating return on average assets was 1.30%, operating return on tangible common equity was 14.76%. Pre-provision net revenue was $141 million, up $9.2 million linked quarter. Net interest margin was 3.58%, down 1 basis point from Q4 2025.

Outlook

Management affirmed full-year 2026 operating guidance, expecting mid-single-digit loan growth, controlled expense growth, and strong capital generation. They updated interest rate assumptions to a 25 basis point cut in July. The company remains mindful of geopolitical developments, economic conditions, customer sentiment, and market volatility, which could impact borrower behavior and credit quality.

Growth Drivers

Loan growth was driven by commercial mortgage, including an opportunistic in-market commercial loan portfolio purchase of approximately $200 million. Commercial loan origination increased meaningfully in 2025 and early 2026, with pipelines building and relationship manager productivity improving year-over-year. Wealth management revenue grew 12% year-over-year. Deposit growth came from higher savings and non-interest-bearing balances. The Blue Foundry acquisition is expected to be immediately earnings and tangible book accretive.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

The net interest margin was 3.58%, down 1 basis point linked quarter, reflecting deposit pricing discipline mostly offsetting asset yield pressure. Management expects deposit repricing to trough and highlights a 50-60 basis point benefit from fixed-asset repricing on $4.4 billion of loans maturing in the next 12 months. The operating efficiency ratio improved to 56.7%, considered sustainable, with controlled expense growth expected.

Key Risks

Management cited ongoing geopolitical developments and their potential impact on economic conditions, customer sentiment, and market volatility. Credit performance remains stable, but runoff in construction balances and the continued planned runoff of the indirect auto portfolio present headwinds. The company notes a highly competitive permanent loan market, requiring prudent selectivity.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-23

Record operating earnings and strong balance sheet growth were achieved in Q2 2026, supported by the Blue Foundry acquisition and robust fee income. Asset quality and capital levels remain solid, with guidance reflecting stable margins and disciplined expense management.

Q1 2026 Q1 2026 2026-04-23

First quarter 2026 saw strong operating earnings, improved efficiency, and stable credit metrics, with loan and deposit growth supported by strategic investments and the Blue Foundry acquisition. Guidance for 2026 is reaffirmed, with disciplined capital allocation and continued focus on profitable growth.

Q4 2025 Q4 2025 2026-01-22

Record operating EPS and strong deposit growth marked 2025, with improved credit metrics and a 15% rise in tangible book value per share. 2026 guidance anticipates mid-single-digit loan growth and continued margin strength, supported by the Blue Foundry Bancorp acquisition.

Q3 2025 Q3 2025 2025-10-22

Third-quarter results showed record revenue, strong net interest and fee income growth, and improved efficiency. Loan and deposit growth continued, with credit quality stable and capital ratios rising. Guidance for 2025 was raised for net interest income and tightened for expenses.

Q2 2025 Q2 2025 2025-07-16

Record operating earnings and revenue growth were driven by higher net interest and fee income, disciplined expense management, and strong loan growth, despite seasonal deposit declines. Updated 2025 guidance reflects higher net interest income, lower provision and operating expenses, and a cautious credit outlook.

📊 Analysis Methodology

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

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