Fulton Financial Corporation (FULT)
NEUTRALFundamental
64
Price
$23.59
Market Cap
$4.53B
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.
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Direct competitors
Who this company fights with for the same customers
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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
$24.79
Current Price
$23.59
Margin of Safety
+4.9%
Fair Value Range
$20.62 - $28.96
Estimation Methods
Valuation Metrics
P/E Ratio
11.29
ROE
11.2%
P/B Ratio
1.18
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
10.6%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- 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%
- Analyst Consensus 62% Buy
- Earnings Surprise avg 4.8%
- PEG Ratio 0.82
- Earnings Quality (OCF/NI) 1.08
- Share Dilution 2.4%
- Net Margin Trend 29.0% vs 25.3%
- Piotroski F-Score 5/9
Failed (5)
- Price CAGR 2.32%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Unknown)
Unavailable (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- 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
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
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for FULT, sourced from Markets Gazette.