FULTON FINANCIAL CORP (FULT)
US3602711000 - Common Stock
11.58 +0.42 (+3.76%)
After market: 11.58 0 (0%)
Fundamental Rating
We assign a fundamental rating of 3 out of 10 to FULT. FULT was compared to 372 industry peers in the Banks industry. Both the profitability and financial health of FULT have multiple concerns. FULT has a correct valuation and a medium growth rate.
Profitability
Profitability Rating
The Piotroski-F score of FULT is 7.00. This is a strong score and indicates good health and profitability for FULT.
FULT's Return On Assets of 1.04% is worse than the rest of the industry. The industry average Return On Assets is 1.10%.
FULT's Return On Equity of 10.72% is worse than the rest of the industry. The industry average Return On Equity is 11.88%.
FULT has a Profit Margin of 26.50%. This is below the industry average of 29.03%.
VS Industry
ROA (1.04%) VS Industry: 40% outperformed.
0.04
6.22
ROE (10.72%) VS Industry: 39% outperformed.
0.12
29.42
Profit Margin (26.5%) VS Industry: 36% outperformed.
1.32
61.82
Valuation
Valuation Rating
With a Price/Earnings Ratio of 6.89, the valuation of FULT can be described as very cheap.
With a Forward Price/Earnings Ratio of 6.86, the valuation of FULT can be described as cheap.
When comparing the current price to the book value of FULT, it is valued rather cheaply. It is trading at 0.73 times its book value.
FULT's Price/Earning Ratio is in line with the industry average which is at 7.17.
When comparing the price book ratio of FULT to the average industry price book ratio of 0.81, FULT is valued in line with its industry peers.
The high PEG Ratio, which compensates the Price/Earnings for growth, indicates FULT does not grow enough to justify the current Price/Earnings ratio.
VS Industry
Price/Earnings (6.89) VS Industry: 56% outperformed.
346.67
0.28
Price/Book (0.73) VS Industry: 59% outperformed.
6.18
0.03
Growth
Growth Rating
The Revenue has grown by 18.48% in the past year. This is quite good.
The Earnings Per Share has been growing slightly by 6.33% over the past year.
FULT shows a small growth in Earnings Per Share. Measured over the last 5 years, the EPS has been growing by 9.31% yearly.
The Earnings Per Share is expected to grow by 0.54% on average over the next 5 years.
Measured over the past 5 years, FULT shows a small growth in Revenue. The Revenue has been growing by 5.19% on average per year.
Based on estimates for the next 5 years, FULT will show a small growth in Revenue. The Revenue will grow by 6.18% on average per year.
The Revenue growth is stable: in the next 5 years the growth will be about the same than in the last 5 years.
The EPS growth is decreasing: in the next 5 years the growth will be less than in the last years.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 9.31% | 6.56% | 6.33% | 2.15% | 0.54% | N/A | N/A |
| Revenue | 5.19% | 5.27% | 18.48% | 14.33% | 6.18% | N/A | N/A |
Health
Health Rating
The Piotroski-F score of FULT is 7.00. This is a strong score and indicates good health and profitability for FULT.
Compared to an average industry Debt to Equity Ratio of 0.15, FULT is more dependent on financing than its industry peers.
VS Industry
Debt/Equity (0.21) VS Industry: 38% outperformed.
5.89
0.00
Dividend
Dividend Rating
FULT has a Yearly Dividend Yield of 5.29%, which is a nice return.
FULT's Dividend Yield is a higher than the industry average which is at 4.46.
FULT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.71.
The dividend of FULT is nicely growing with an annual growth rate of 8.92%!
FULT has paid a dividend for at least 10 years, which is a reliable track record.
In the last 3 months the price of FULT has falen by -32.16%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
42.27% of the earnings are spent on dividend by FULT. This is a bit on the high side, but may be sustainable.
The dividend of FULT is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
VS Industry
Dividend Yield (5.29%) VS Industry: 70% outperformed.
0.08
11.99
FULTON FINANCIAL CORP
NASDAQ:FULT (6/1/2023, 7:00:27 PM)
After market: 11.58 0 (0%)11.58
+0.42 (+3.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-18 2023-04-18/amc
Earnings (Next)07-17 2023-07-17/amc
Inst Owners66.77%
Inst Owner Change-0.55%
Ins Owners0.97%
Ins Owner Change15.66%
Market Cap1.92B
Analysts72.86
Price Target14.57 (25.82%)
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.29% |
Dividend Growth(5Y)8.92%
DP42.27%
Div Incr Years2
Div Non Decr Years13
Ex-Date03-31 2023-03-31 (0.15)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)-14.1%
Min EPS beat(2)-20.14%
Max EPS beat(2)-8.07%
EPS beat(4)1
Avg EPS beat(4)-6.59%
Min EPS beat(4)-20.14%
Max EPS beat(4)12.43%
Revenue beat(2)2
Avg Revenue beat(2)17.89%
Min Revenue beat(2)14.96%
Max Revenue beat(2)20.83%
Revenue beat(4)4
Avg Revenue beat(4)25.53%
Min Revenue beat(4)14.96%
Max Revenue beat(4)33.69%
PT rev (1m)-0.99%
PT rev (3m)-19.35%
EPS NQ rev (1m)1.45%
EPS NQ rev (3m)-9.07%
EPS NY rev (1m)0%
EPS NY rev (3m)-14.89%
Revenue NQ rev (1m)3.11%
Revenue NQ rev (3m)-2.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.89 | ||
| Fwd PE | 6.86 | ||
| P/S | 1.81 | ||
| P/FCF | 2.61 | ||
| P/OCF | 2.55 | ||
| P/B | 0.73 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.68
EY14.51%
EPS(NY)1.69
Fwd EY14.58%
FCF(TTM)4.43
FCFY38.29%
OCF(TTM)4.54
OCFY39.24%
SpS6.4
BVpS15.83
TBVpS12.42
PEG (NY)3.2
PEG (5Y)0.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 10.72% | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM | 26.5% | ||
| GM | N/A |
ROA(3y)0.91%
ROA(5y)0.96%
ROE(3y)9.07%
ROE(5y)9.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.58%
PM growth 5Y4.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 56.68% | ||
| Profit Quality | 261.34% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.78%
ROIC/WACCN/A
Cap/Depr(3y)65.23%
Cap/Depr(5y)90.2%
Profit Quality(3y)136.3%
Profit Quality(5y)114.74%
Growth
EPS 1Y6.33%
EPS 3Y6.56%
EPS 5Y9.31%
EPS growth Q2Q2.63%
EPS Next Y2.15%
EPS Next 2Y0.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue growth 1Y18.48%
Revenue growth 3Y5.27%
Revenue growth 5Y5.19%
Revenue growth Q2Q23.45%
Revenue Next Year14.33%
Revenue Next 2Y6.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y89.55%
FCF growth 3Y83.1%
FCF growth 5Y17.77%
OCF growth 1Y84.45%
OCF growth 3Y67.33%
OCF growth 5Y15.76%
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