FULTON FINANCIAL CORP (FULT) Stock Fundamental Analysis

NASDAQ:FULT • US3602711000

21.64 USD
+0.41 (+1.93%)
At close: Feb 26, 2026
21.64 USD
0 (0%)
After Hours: 2/26/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall FULT gets a fundamental rating of 4 out of 10. We evaluated FULT against 379 industry peers in the Banks industry. While FULT is still in line with the averages on profitability rating, there are concerns on its financial health. FULT has a decent growth rate and is not valued too expensively. FULT also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FULT had positive earnings in the past year.
  • In the past year FULT had a positive cash flow from operations.
  • Each year in the past 5 years FULT has been profitable.
  • Of the past 5 years FULT 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 1.10%, FULT is in the better half of the industry, outperforming 69.39% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 10.28%, FULT is in the better half of the industry, outperforming 64.38% of the companies in the same industry.
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

  • With a decent Profit Margin value of 27.07%, FULT is doing good in the industry, outperforming 64.64% of the companies in the same industry.
  • 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.
  • Compared to 1 year ago, FULT has less shares outstanding
  • Compared to 5 years ago, FULT has more shares outstanding
  • 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

  • The Debt to FCF ratio of FULT is 3.64, which is a good value as it means it would take FULT, 3.64 years of fcf income to pay off all of its debts.
  • FULT has a worse Debt to FCF ratio (3.64) than 64.64% 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.
  • FULT's Debt to Equity ratio of 0.30 is on the low side compared to the rest of the industry. FULT is outperformed by 66.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.64
Altman-Z N/A
ROIC/WACCN/A
WACC14.72%
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

  • FULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.05%, which is quite good.
  • The Earnings Per Share has been growing by 14.33% on average over the past years. This is quite good.
  • FULT shows a small growth in Revenue. In the last year, the Revenue has grown by 6.23%.
  • FULT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.58% yearly.
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 6.37% on average per year.
  • FULT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.68% yearly.
EPS Next Y0.03%
EPS Next 2Y6.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.35%
Revenue Next 2Y13.68%
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 10.26 indicates a reasonable valuation of FULT.
  • Compared to the rest of the industry, the Price/Earnings ratio of FULT indicates a rather cheap valuation: FULT is cheaper than 82.32% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of FULT to the average of the S&P500 Index (27.21), we can say FULT is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.25, which indicates a very decent valuation of FULT.
  • 64.91% of the companies in the same industry are more expensive than FULT, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.13. FULT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.26
Fwd PE 10.25
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.86
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)340.79
PEG (5Y)0.72
EPS Next 2Y6.37%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.89%, FULT is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.74, FULT pays a better dividend. On top of this FULT pays more dividend than 96.31% of the companies listed in the same industry.
  • FULT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 6.89%

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.
  • FULT has decreased its dividend 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.
  • The dividend of FULT is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.37%
EPS Next 2Y6.37%
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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Find the best dividend stocksShow peers with best dividend

FULTON FINANCIAL CORP

NASDAQ:FULT (2/26/2026, 8:00:00 PM)

After market: 21.64 0 (0%)

21.64

+0.41 (+1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-13
Inst Owners79.43%
Inst Owner Change1.34%
Ins Owners1.11%
Ins Owner Change-0.09%
Market Cap3.89B
Revenue(TTM)1.31B
Net Income(TTM)351.01M
Analysts81.82
Price Target23.21 (7.26%)
Short Float %5.48%
Short Ratio5.08
Dividend
Industry RankSector Rank
Dividend Yield 6.89%
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)7.82%
PT rev (3m)11.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.07%
EPS NY rev (1m)-0.23%
EPS NY rev (3m)1.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)5.32%
Revenue NY rev (3m)27.65%
Valuation
Industry RankSector Rank
PE 10.26
Fwd PE 10.25
P/S 3
P/FCF 13.86
P/OCF 11.57
P/B 1.14
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)2.11
EY9.75%
EPS(NY)2.11
Fwd EY9.75%
FCF(TTM)1.56
FCFY7.22%
OCF(TTM)1.87
OCFY8.64%
SpS7.21
BVpS18.97
TBVpS15.54
PEG (NY)340.79
PEG (5Y)0.72
Graham Number30.01
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
WACC14.72%
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 Y0.03%
EPS Next 2Y6.37%
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 Year22.35%
Revenue Next 2Y13.68%
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 10.26 and the Price/Book (PB) ratio is 1.14.


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

The dividend rating of FULTON FINANCIAL CORP (FULT) is 7 / 10 and the dividend payout ratio is 40.37%.