FULT Fundamental Analysis - FULTON FINANCIAL CORP

Fundamental Rating

Taking everything into account, FULT scores 3 out of 10 in our fundamental rating. FULT was compared to 395 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.

Quickly go to:

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.

In the past 5 years FULT always reported a positive cash flow from operatings.

1.2 Ratios

FULT's Return On Assets of 0.96% is fine compared to the rest of the industry. FULT outperforms 62.28% of its industry peers.

FULT's Return On Equity of 9.45% is fine compared to the rest of the industry. FULT outperforms 60.76% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.96%
ROE	9.45%
ROIC	N/A

ROA(3y)0.96%

ROA(5y)0.92%

ROE(3y)9.79%

ROE(5y)9.17%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FULT's Profit Margin of 23.99% is in line compared to the rest of the industry. FULT outperforms 52.66% of its industry peers.

FULT's Profit Margin has declined in the last couple of years.

FULT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.99%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-7.31%

PM growth 5Y-2.95%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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 increased compared to 1 year ago.

Compared to 5 years ago, FULT has more shares outstanding

Compared to 1 year ago, FULT has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of FULT is 4.23, which is a neutral value as it means it would take FULT, 4.23 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 4.23, FULT is doing worse than 68.10% of the companies in the same industry.

A Debt/Equity ratio of 0.28 indicates that FULT is not too dependend on debt financing.

FULT has a Debt to Equity ratio of 0.28. This is in the lower half of the industry: FULT underperforms 68.35% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	4.23
Altman-Z	N/A

ROIC/WACCN/A

WACC16.53%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

FULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.88%, which is quite good.

The Earnings Per Share has been growing slightly by 6.04% on average over the past years.

Looking at the last year, FULT shows a quite strong growth in Revenue. The Revenue has grown by 19.62% in the last year.

Measured over the past years, FULT shows a small growth in Revenue. The Revenue has been growing by 7.41% on average per year.

EPS 1Y (TTM)15.88%

EPS 3Y4.31%

EPS 5Y6.04%

EPS Q2Q%30%

Revenue 1Y (TTM)19.62%

Revenue growth 3Y9.66%

Revenue growth 5Y7.41%

Sales Q2Q%18.75%

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 5.12% on average per year.

The Revenue is expected to grow by 5.02% on average over the next years.

EPS Next Y2.07%

EPS Next 2Y5.12%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.73%

Revenue Next 2Y5.02%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.03, the valuation of FULT can be described as reasonable.

Based on the Price/Earnings ratio, FULT is valued cheaply inside the industry as 86.58% of the companies are valued more expensively.

FULT is valuated cheaply when we compare the Price/Earnings ratio to 26.69, which is the current average of the S&P500 Index.

FULT is valuated reasonably with a Price/Forward Earnings ratio of 8.70.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FULT indicates a somewhat cheap valuation: FULT is cheaper than 66.33% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.29, FULT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.03
Fwd PE	8.7

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FULT is valued a bit more expensive than 62.28% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	15.09
EV/EBITDA	N/A

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)4.36

PEG (5Y)1.5

EPS Next 2Y5.12%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

FULT has a Yearly Dividend Yield of 4.21%, which is a nice return.

Compared to an average industry Dividend Yield of 3.61, FULT pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.43, FULT pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.21%

5.2 History

The dividend of FULT is nicely growing with an annual growth rate of 6.62%!

FULT has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of FULT decreased recently.

Dividend Growth(5Y)6.62%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

FULT pays out 44.70% of its income as dividend. 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.

DP44.7%

EPS Next 2Y5.12%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

FULTON FINANCIAL CORP

NASDAQ:FULT (6/25/2025, 8:00:00 PM)

After market: 17.79 0 (0%)

17.79

-0.09 (-0.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-15 2025-04-15/amc

Earnings (Next)07-14 2025-07-14/amc

Inst Owners77.17%

Inst Owner Change-0.8%

Ins Owners1.11%

Ins Owner Change6.89%

Market Cap3.23B

Analysts76.92

Price Target20.15 (13.27%)

Short Float %2.84%

Short Ratio3.91

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.21%

Yearly Dividend0.76

Dividend Growth(5Y)6.62%

DP44.7%

Div Incr Years1

Div Non Decr Years1

Ex-Date04-01 2025-04-01 (0.18)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)15.75%

Min EPS beat(2)12.81%

Max EPS beat(2)18.68%

EPS beat(4)4

Avg EPS beat(4)23.47%

Min EPS beat(4)10.69%

Max EPS beat(4)51.7%

EPS beat(8)8

Avg EPS beat(8)13.26%

EPS beat(12)9

Avg EPS beat(12)6.65%

EPS beat(16)12

Avg EPS beat(16)8.99%

Revenue beat(2)0

Avg Revenue beat(2)-1.01%

Min Revenue beat(2)-1.17%

Max Revenue beat(2)-0.86%

Revenue beat(4)1

Avg Revenue beat(4)-1.36%

Min Revenue beat(4)-4.02%

Max Revenue beat(4)0.6%

Revenue beat(8)3

Avg Revenue beat(8)-1.02%

Revenue beat(12)7

Avg Revenue beat(12)7.83%

Revenue beat(16)11

Avg Revenue beat(16)14.18%

PT rev (1m)0%

PT rev (3m)-15.05%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-2.12%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.99%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.22%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.29%

Valuation

		Industry Rank	Sector Rank
PE	9.03
Fwd PE	8.7
P/S	2.51
P/FCF	15.09
P/OCF	12.23
P/B	0.99
P/tB	1.22
EV/EBITDA	N/A

EPS(TTM)1.97

EY11.07%

EPS(NY)2.04

Fwd EY11.49%

FCF(TTM)1.18

FCFY6.63%

OCF(TTM)1.45

OCFY8.17%

SpS7.1

BVpS18.01

TBVpS14.55

PEG (NY)4.36

PEG (5Y)1.5

Profitability

		Industry Rank	Sector Rank
ROA	0.96%
ROE	9.45%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.99%
GM	N/A
FCFM	16.61%

ROA(3y)0.96%

ROA(5y)0.92%

ROE(3y)9.79%

ROE(5y)9.17%

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

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 3Y-7.31%

PM growth 5Y-2.95%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	4.23
Debt/EBITDA	N/A
Cap/Depr	80.56%
Cap/Sales	3.88%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	69.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC16.53%

ROIC/WACCN/A

Cap/Depr(3y)80.27%

Cap/Depr(5y)73.99%

Cap/Sales(3y)2.86%

Cap/Sales(5y)2.56%

Profit Quality(3y)154.44%

Profit Quality(5y)132.75%

High Growth Momentum

Growth

EPS 1Y (TTM)15.88%

EPS 3Y4.31%

EPS 5Y6.04%

EPS Q2Q%30%

EPS Next Y2.07%

EPS Next 2Y5.12%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)19.62%

Revenue growth 3Y9.66%

Revenue growth 5Y7.41%

Sales Q2Q%18.75%

Revenue Next Year5.73%

Revenue Next 2Y5.02%

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 1Y-70.8%

FCF growth 3Y4.85%

FCF growth 5Y31.82%

OCF growth 1Y-64.85%

OCF growth 3Y6.76%

OCF growth 5Y26.68%

FULTON FINANCIAL CORP (FULT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens