FULTON FINANCIAL CORP (FULT) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FULT • US3602711000

22.06 USD
+0.47 (+2.18%)
At close: Feb 4, 2026
22.06 USD
0 (0%)
After Hours: 2/4/2026, 8:23:32 PM
Fundamental Rating

4

Taking everything into account, FULT scores 4 out of 10 in our fundamental rating. FULT was compared to 383 industry peers in the Banks industry. FULT has a medium profitability rating, but doesn't score so well on its financial health evaluation. FULT has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FULT had positive earnings in the past year.
  • FULT had a positive operating cash flow in the past year.
  • In the past 5 years FULT has always been profitable.
  • FULT had a positive operating cash flow in 4 of the past 5 years.
FULT Yearly Net Income VS EBIT VS OCF VS FCFFULT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

1.2 Ratios

  • With a decent Return On Assets value of 1.10%, FULT is doing good in the industry, outperforming 69.97% of the companies in the same industry.
  • The Return On Equity of FULT (10.28%) is better than 64.49% of its industry peers.
Industry RankSector Rank
ROA 1.1%
ROE 10.28%
ROIC N/A
ROA(3y)1.02%
ROA(5y)1.02%
ROE(3y)9.85%
ROE(5y)10.01%
ROIC(3y)N/A
ROIC(5y)N/A
FULT Yearly ROA, ROE, ROICFULT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FULT's Profit Margin of 27.07% is fine compared to the rest of the industry. FULT outperforms 65.54% of its industry peers.
  • In the last couple of years the Profit Margin of FULT has grown nicely.
  • FULT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.92%
PM growth 5Y7.51%
GM growth 3YN/A
GM growth 5YN/A
FULT Yearly Profit, Operating, Gross MarginsFULT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • FULT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FULT has been reduced compared to 1 year ago.
  • FULT has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FULT has a worse debt to assets ratio.
FULT Yearly Shares OutstandingFULT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
FULT Yearly Total Debt VS Total AssetsFULT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • FULT has a debt to FCF ratio of 3.64. This is a good value and a sign of high solvency as FULT would need 3.64 years to pay back of all of its debts.
  • FULT has a worse Debt to FCF ratio (3.64) than 65.01% of its industry peers.
  • FULT has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.30, FULT is doing worse than 67.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.64
Altman-Z N/A
ROIC/WACCN/A
WACC14.81%
FULT Yearly LT Debt VS Equity VS FCFFULT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FULT Yearly Current Assets VS Current LiabilitesFULT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 14.05% over the past year.
  • Measured over the past years, FULT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.33% on average per year.
  • FULT shows a small growth in Revenue. In the last year, the Revenue has grown by 6.23%.
  • The Revenue has been growing by 8.58% on average over the past years. This is quite good.
EPS 1Y (TTM)14.05%
EPS 3Y8.11%
EPS 5Y14.33%
EPS Q2Q%10.42%
Revenue 1Y (TTM)6.23%
Revenue growth 3Y9.19%
Revenue growth 5Y8.58%
Sales Q2Q%4.88%

3.2 Future

  • Based on estimates for the next years, FULT will show a small growth in Earnings Per Share. The EPS will grow by 5.52% on average per year.
  • Based on estimates for the next years, FULT will show a quite strong growth in Revenue. The Revenue will grow by 11.41% on average per year.
EPS Next Y0.26%
EPS Next 2Y5.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.17%
Revenue Next 2Y11.41%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FULT Yearly Revenue VS EstimatesFULT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B
FULT Yearly EPS VS EstimatesFULT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.45 indicates a reasonable valuation of FULT.
  • Based on the Price/Earnings ratio, FULT is valued cheaply inside the industry as 82.25% of the companies are valued more expensively.
  • FULT is valuated cheaply when we compare the Price/Earnings ratio to 28.25, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 10.43, which indicates a very decent valuation of FULT.
  • FULT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FULT is cheaper than 62.92% of the companies in the same industry.
  • FULT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
Industry RankSector Rank
PE 10.45
Fwd PE 10.43
FULT Price Earnings VS Forward Price EarningsFULT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • FULT's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.18
EV/EBITDA N/A
FULT Per share dataFULT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)40.26
PEG (5Y)0.73
EPS Next 2Y5.52%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.68%, FULT has a reasonable but not impressive dividend return.
  • FULT's Dividend Yield is a higher than the industry average which is at 2.64.
  • Compared to an average S&P500 Dividend Yield of 1.82, FULT pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.68%

5.2 History

  • On average, the dividend of FULT grows each year by 6.62%, which is quite nice.
  • FULT has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of FULT decreased recently.
Dividend Growth(5Y)6.62%
Div Incr Years1
Div Non Decr Years1
FULT Yearly Dividends per shareFULT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • FULT pays out 40.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • FULT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.37%
EPS Next 2Y5.52%
EPS Next 3YN/A
FULT Yearly Income VS Free CF VS DividendFULT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
FULT Dividend Payout.FULT Dividend Payout, showing the Payout Ratio.FULT Dividend Payout.PayoutRetained Earnings

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FULTON FINANCIAL CORP

NASDAQ:FULT (2/4/2026, 8:23:32 PM)

After market: 22.06 0 (0%)

22.06

+0.47 (+2.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-13
Inst Owners79.43%
Inst Owner Change-3.15%
Ins Owners1.11%
Ins Owner Change-0.67%
Market Cap3.98B
Revenue(TTM)1.31B
Net Income(TTM)351.01M
Analysts81.82
Price Target21.52 (-2.45%)
Short Float %4.84%
Short Ratio4.62
Dividend
Industry RankSector Rank
Dividend Yield 3.68%
Yearly Dividend0.76
Dividend Growth(5Y)6.62%
DP40.37%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.12%
Min EPS beat(2)4.63%
Max EPS beat(2)15.6%
EPS beat(4)4
Avg EPS beat(4)12.93%
Min EPS beat(4)4.63%
Max EPS beat(4)18.68%
EPS beat(8)8
Avg EPS beat(8)14.78%
EPS beat(12)10
Avg EPS beat(12)8.18%
EPS beat(16)12
Avg EPS beat(16)7.19%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-1.37%
Min Revenue beat(4)-2.09%
Max Revenue beat(4)-0.86%
Revenue beat(8)2
Avg Revenue beat(8)-1.57%
Revenue beat(12)5
Avg Revenue beat(12)2.01%
Revenue beat(16)9
Avg Revenue beat(16)9.68%
PT rev (1m)0%
PT rev (3m)3.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.75%
EPS NY rev (1m)0%
EPS NY rev (3m)1.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.14%
Revenue NY rev (1m)0.69%
Revenue NY rev (3m)20.75%
Valuation
Industry RankSector Rank
PE 10.45
Fwd PE 10.43
P/S 3.07
P/FCF 14.18
P/OCF 11.84
P/B 1.17
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)2.11
EY9.56%
EPS(NY)2.12
Fwd EY9.59%
FCF(TTM)1.56
FCFY7.05%
OCF(TTM)1.86
OCFY8.44%
SpS7.18
BVpS18.9
TBVpS15.48
PEG (NY)40.26
PEG (5Y)0.73
Graham Number29.96
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 10.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.07%
GM N/A
FCFM 21.67%
ROA(3y)1.02%
ROA(5y)1.02%
ROE(3y)9.85%
ROE(5y)10.01%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.92%
PM growth 5Y7.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.64
Debt/EBITDA N/A
Cap/Depr 90.9%
Cap/Sales 4.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 80.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.81%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.05%
EPS 3Y8.11%
EPS 5Y14.33%
EPS Q2Q%10.42%
EPS Next Y0.26%
EPS Next 2Y5.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.23%
Revenue growth 3Y9.19%
Revenue growth 5Y8.58%
Sales Q2Q%4.88%
Revenue Next Year16.17%
Revenue Next 2Y11.41%
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 1Y30.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y45.47%
OCF growth 3YN/A
OCF growth 5YN/A

FULTON FINANCIAL CORP / FULT FAQ

Can you provide the ChartMill fundamental rating for FULTON FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to FULT.


What is the valuation status of FULTON FINANCIAL CORP (FULT) stock?

ChartMill assigns a valuation rating of 5 / 10 to FULTON FINANCIAL CORP (FULT). This can be considered as Fairly Valued.


How profitable is FULTON FINANCIAL CORP (FULT) stock?

FULTON FINANCIAL CORP (FULT) has a profitability rating of 4 / 10.


What are the PE and PB ratios of FULTON FINANCIAL CORP (FULT) stock?

The Price/Earnings (PE) ratio for FULTON FINANCIAL CORP (FULT) is 10.45 and the Price/Book (PB) ratio is 1.17.


How sustainable is the dividend of FULTON FINANCIAL CORP (FULT) stock?

The dividend rating of FULTON FINANCIAL CORP (FULT) is 5 / 10 and the dividend payout ratio is 40.37%.