FULT

Fulton Financial Corporation

Fundamental data last updated:October 20, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company also offers secured consumer loans, including home equity loans and lines of credit, automobile loans, personal lines of credit, and checking account overdraft protection; construction and jumbo residential mortgage loans; and commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it provides 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 passive investments, as well as trust preferred securities; and sells various life insurance products. It provides its products and services through traditional financial center banking, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. The company operated branches in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia. Fulton Financial Corporation was incorporated in 1882 and is headquartered in Lancaster, Pennsylvania.

 


Analyze FULT on TradingView

VALUATION

P/E

9.85

Market Cap ($M USD)

$4.12B

Forward P/E

8.41

PEG

0.49

PRICE TO SALES

2.19

PRICE TO BOOK

1.11

EV / EBITDA

8.36

5-Year Average P/E

Free Cash Flow Yield

9.44%

DCF Value

$24.29

Graham Number

$30.99

Price to FCF

10.59

EV to FCF

11.13

Earnings Yield

10.15%

FCF Yield

9.44%

DIVIDEND

Yield

3.43%

Annual Payout

$0.74

Payout Ratio

36.24%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$2.19

Next Year EPS Growth Estimate

$2.57

Next Year Revenue Growth Estimate

$2.15B

Return on Equity (ROE)

11.45%

FREE CASH FLOW

Operating Margin

25.95%

Debt-to-Equity

0.37

Piotroski F-Score

8

Altman Z-Score

-0.58

Return on Invested Capital (ROIC)

8.95%

Current Ratio

0.13

Quick Ratio

0.13

Net Debt to EBITDA

0.40

Interest Coverage

0.87

Gross Profit margin

68.27%

FCF PER SHARE

$2.17

REVENUE PER SHARE

$10.46

Analyze FULT on TradingView

Gainseekers Quantitative Analysis

Summary

Fulton Financial Corporation appears undervalued when juxtaposed against its DCF Value and Graham Number, suggesting a potential mispricing by the market. The Forward P/E of 8.38 and an Earnings Yield of 10.18% indicate a stock priced attractively for future earnings growth. However, the Altman Z-score of 0.30 raises red flags about financial distress, hinting at potential liquidity issues. Despite these concerns, the stock’s valuation metrics suggest a compelling opportunity for those willing to navigate its risks.

AI Exposure / Tech Reliance

Operating within the regional banking sector, Fulton Financial is moderately positioned to adapt to AI and tech shifts. While banks are increasingly leveraging AI for risk management and customer service, regional banks like Fulton may face challenges in scaling these technologies due to resource constraints. However, their established customer base provides a foundation for gradual tech integration.

The Bull Case

For the value or GARP investor, Fulton Financial offers enticing prospects. The Piotroski F-Score of 8 signals strong financial health, while a robust FCF Yield of 9.44% underscores efficient cash generation. With an ROIC of 1.51% and an operating margin of 25.95%, the company demonstrates solid capital efficiency and pricing power. These metrics paint a picture of a company capable of delivering steady returns amidst market fluctuations.

The Bear Case

Despite its strengths, Fulton Financial is not without its vulnerabilities. The Altman Z-score suggests potential financial instability, and the interest coverage ratio of 0.87 indicates limited ability to cover interest expenses. Additionally, the stock's proximity to its 52-week high could signal technical overextension, making it susceptible to a pullback. Investors should be cautious of these structural risks when considering an investment.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$24.00

Institutional Ownership %

1-Year Beta

0.82

Insider Buying % (6 Mo)

Distance to 52-Week High

6.58%

Distance to 52-Week Low

23.04%

EARNINGS SURPRISE %

10.00%

50-DAY SMA

$21.09

200-DAY SMA

$19.80

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.