Fulton Financial Corporation (FULT)
Fair ValueFundamental
65
Price
$23.67
Market Cap
$4.30B
Part 1 · What the company is worth
Overview
Fulton Financial Corporation operates as the bank holding company for Fulton Bank that provides banking and financial products and services in the United States. It provides various checking accounts and savings deposit products, and certificates of deposit. The company also offers consumer loans products, including home equity loans and lines of credit; construction and jumbo residential mortgage loans; automobile, student, and personal loans; account overdraft protection; commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it offers letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns trust preferred securities; and sells various life insurance products. It provides its products and services through financial center locations, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. The company was founded in 1882 and is headquartered in Lancaster, Pennsylvania.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated with artificial intelligence on September 18, 2026, shared with all users
The other mid-sized bank of the Delaware Valley, competing branch by branch with Fulton in Delaware, Philadelphia and its suburbs on both commercial lending and trust and wealth services.
Far larger Mid-Atlantic bank with a dense branch and commercial-lending presence in the same Pennsylvania, Maryland, Delaware and New Jersey markets, where it takes deposit share directly from Fulton.
Pennsylvania-based regional bank of comparable footprint that chases the same small- and mid-sized commercial borrowers and retail deposits across Pennsylvania, Maryland and Virginia.
Community bank of south-eastern Pennsylvania whose offices reach into Lancaster and the Lehigh Valley, offering the same mix of relationship business lending, deposits and wealth management to the same towns.
Central-Pennsylvania commercial bank operating in Fulton's home corridor between Harrisburg and Lancaster, competing for local business loans and core deposits.
New Jersey-based commercial bank listed by Fulton among its compensation peers, overlapping in northern New Jersey and eastern Pennsylvania for middle-market lending and wealth clients.
Balance Sheet & Liquidity
Revenue
$1.37B
Trailing 12 months (through 6/30/2026)
Net Income
$397M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$3.49B
Total Liabilities
$28.63B
Current Ratio
-
Interest Coverage
0.46
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$24.61
Current Price
$23.67
Margin of Safety
+3.8%
Fair Value Range
$20.39 - $28.82
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
11.33
ROE
11.2%
P/B Ratio
1.18
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
10.7%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (13)
- EPS shows upward trend
- P/B ratio 1.18
- Operating margin 36.1%
- Low reliance on intangibles
- Price below Graham Number
- ROE 11.2%
- Revenue growth 5Y 5.3%
- Earnings surprise, average 7.4%
- PEG ratio 0.75
- Earnings quality (operating cash flow / net income) 1.08
- Share dilution 2.4%
- Net margin trend 29.0% vs 25.3%
- Piotroski F-Score 5/9
Failed (5)
- Price CAGR 1.93%
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- DCF valuation (Unknown)
Unavailable (8)
- ROIC –
- Gross margin –
- P/FCF –
- Dividend payout –
- Positive free cash flow
- CapEx intensity
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Issuing new shares, diluting ownership
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Curtis J. Myers | Chairman, CEO & President | 56 |
| Mr. Richard S. Kraemer | Senior EVP & CFO | 46 |
| Ms. Meg R. Mueller | Senior EVP & Chief Credit Officer | 60 |
| Mr. Andy B. Fiol | Senior EVP & Chief Banking Officer | 53 |
| Mr. Kevin C. Gremer | Senior EVP & Chief Operations and Technology Officer | 58 |
| Mr. Anthony L. Cossetti | Executive VP, Chief Accounting Officer & Controller | - |
| Ms. Angela M. Sargent | Senior EVP, Chief Information Officer & Information Tech. Manager | 57 |
| Patrick Lafferty | Investor Relations Manager | - |
| Ms. Natasha R. Luddington | Senior EVP, Chief Legal Officer & Corporate Secretary | 50 |
| Ms. Laura J. Wakeley | Senior Vice President of Corporate Communications | - |
Audit Risk
4
Board Risk
5
Compensation Risk
1
Shareholder Rights Risk
6
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-27
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-07
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-21
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much FULT moves, measured on its daily prices.
More volatile than 5% of the tracked stocks (90-day volatility).
- Volatility 30d
- 19.4%
- Volatility 90d
- 18.6%
- Beta vs S&P 500 (1y)
- 0.58Correlation 0.31
- Max drawdown (12m)
- -15.5%
- ATR (14d, % of price)
- 2.01%
Earnings reactions
How FULT moved around its past quarterly results.
Next earnings release
Jan 20, 2027 · In 88 days · Time not known
EPS estimate: 0.58Revenue estimate: $374M
What usually happens
- Over the last 12 releases the stock moved a median of 1.2% the next day, up or down.
- Next-day moves: up 6, down 6 (out of 12).
- Of the 5 releases that beat estimates, the stock fell the next day after 2.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 21, 2026 | After the close | 0.55 | 0.59 | +7.6% | +1.2% | +3.6% | n/a |
| Jul 22, 2026 | After the close | 0.48 | 0.52 | +8.1% | +1.7% | -0.7% | +0.1% |
| Apr 22, 2026 | After the close | 0.50 | 0.51 | +3.0% | +2.1% | +1.1% | -2.1% |
| Jan 21, 2026 | After the close | 0.51 | 0.53 | +3.3% | +0.2% | +2.6% | -1.5% |
| Oct 21, 2025 | After the close | 0.51 | 0.53 | +4.6% | -1.0% | -1.4% | +0.5% |
| Jul 15, 2025 | After the close | n/a | n/a | n/a | -2.2% | -0.1% | +1.8% |
| Apr 15, 2025 | After the close | n/a | n/a | n/a | -0.1% | -0.4% | +2.6% |
| Jan 21, 2025 | After the close | n/a | n/a | n/a | +1.4% | -2.3% | -3.2% |
| Oct 15, 2024 | After the close | n/a | n/a | n/a | -0.2% | +2.2% | -3.6% |
| Jul 16, 2024 | After the close | n/a | n/a | n/a | -0.3% | +4.5% | +7.1% |
| Apr 16, 2024 | After the close | n/a | n/a | n/a | -0.5% | +0.3% | +6.2% |
| Jan 16, 2024 | After the close | n/a | n/a | n/a | -2.8% | -0.9% | +4.6% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on FULT and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for FULT.