FULTON FINANCIAL CORP (FULT) Fundamental Analysis & Valuation

NASDAQ:FULT • US3602711000

Current stock price

21.62 USD
+0.03 (+0.14%)
At close:
21.62 USD
0 (0%)
After Hours:

This FULT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FULT Profitability Analysis

1.1 Basic Checks

  • In the past year FULT was profitable.
  • In the past year FULT had a positive cash flow from operations.
  • In the past 5 years FULT has always been profitable.
  • FULT had a positive operating cash flow in each 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

  • Looking at the Return On Assets, with a value of 1.19%, FULT is in the better half of the industry, outperforming 73.40% of the companies in the same industry.
  • FULT has a better Return On Equity (10.93%) than 67.02% of its industry peers.
Industry RankSector Rank
ROA 1.19%
ROE 10.93%
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 29.04% is fine compared to the rest of the industry. FULT outperforms 69.41% of its industry peers.
  • FULT's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FULT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.04%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. FULT Health Analysis

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.
  • The number of shares outstanding for FULT has been increased compared to 5 years ago.
  • The debt/assets ratio for FULT is higher compared to a year ago.
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 3.68, which is a good value as it means it would take FULT, 3.68 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.68, FULT is doing worse than 63.56% of the companies in the same industry.
  • FULT has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FULT (0.30) is worse than 68.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.68
Altman-Z N/A
ROIC/WACCN/A
WACC15.17%
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

More info and screens

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

5

3. FULT Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 6.60% 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.
  • Looking at the last year, FULT shows a small growth in Revenue. The Revenue has grown by 2.80% in the last year.
  • The Revenue has been growing by 8.58% on average over the past years. This is quite good.
EPS 1Y (TTM)6.6%
EPS 3Y8.11%
EPS 5Y14.33%
EPS Q2Q%-1.92%
Revenue 1Y (TTM)2.8%
Revenue growth 3Y9.19%
Revenue growth 5Y8.58%
Sales Q2Q%4.31%

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 5.99% on average per year.
  • FULT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.55% yearly.
EPS Next Y-0.6%
EPS Next 2Y5.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.05%
Revenue Next 2Y12.55%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

More info and screens

Find the best growth stocksShow best growing peers

4

4. FULT Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.30, the valuation of FULT can be described as reasonable.
  • Based on the Price/Earnings ratio, FULT is valued a bit cheaper than 74.73% of the companies in the same industry.
  • FULT is valuated cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.12, which indicates a very decent valuation of FULT.
  • Based on the Price/Forward Earnings ratio, FULT is valued a bit cheaper than 64.36% 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 21.36.
Industry RankSector Rank
PE 10.3
Fwd PE 9.12
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 14.63
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

PEG (NY)N/A
PEG (5Y)0.72
EPS Next 2Y5.99%
EPS Next 3YN/A

More info and screens

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

6

5. FULT Dividend Analysis

5.1 Amount

  • FULT has a Yearly Dividend Yield of 3.55%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.57, FULT pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, FULT pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.55%

5.2 History

  • The dividend of FULT is nicely growing with an annual growth rate of 6.92%!
  • FULT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FULT has decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.92%
Div Incr Years2
Div Non Decr Years2
FULT Yearly Dividends per shareFULT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • FULT pays out 37.03% of its income as dividend. This is a sustainable payout ratio.
  • FULT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.03%
EPS Next 2Y5.99%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

FULT Fundamentals: All Metrics, Ratios and Statistics

FULTON FINANCIAL CORP

NASDAQ:FULT (5/1/2026, 8:00:01 PM)

After market: 21.62 0 (0%)

21.62

+0.03 (+0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-22
Earnings (Next)07-13
Inst Owners80.7%
Inst Owner Change0%
Ins Owners0.88%
Ins Owner Change-0.35%
Market Cap4.16B
Revenue(TTM)1.33B
Net Income(TTM)381.36M
Analysts78.33
Price Target23.72 (9.71%)
Short Float %4.68%
Short Ratio4.21
Dividend
Industry RankSector Rank
Dividend Yield 3.55%
Yearly Dividend0.78
Dividend Growth(5Y)6.92%
DP37.03%
Div Incr Years2
Div Non Decr Years2
Ex-Date04-01
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.97%
Min EPS beat(2)3.3%
Max EPS beat(2)4.63%
EPS beat(4)4
Avg EPS beat(4)10.55%
Min EPS beat(4)3.3%
Max EPS beat(4)18.68%
EPS beat(8)8
Avg EPS beat(8)14.83%
EPS beat(12)11
Avg EPS beat(12)9.13%
EPS beat(16)13
Avg EPS beat(16)7.56%
Revenue beat(2)0
Avg Revenue beat(2)-3.85%
Min Revenue beat(2)-6.36%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-2.74%
Min Revenue beat(4)-6.36%
Max Revenue beat(4)-1.17%
Revenue beat(8)1
Avg Revenue beat(8)-2.43%
Revenue beat(12)4
Avg Revenue beat(12)-0.25%
Revenue beat(16)8
Avg Revenue beat(16)7.14%
PT rev (1m)2.2%
PT rev (3m)10.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)-0.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.35%
Valuation
Industry RankSector Rank
PE 10.3
Fwd PE 9.12
P/S 3.17
P/FCF 14.63
P/OCF 13.67
P/B 1.19
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)2.1
EY9.71%
EPS(NY)2.37
Fwd EY10.96%
FCF(TTM)1.48
FCFY6.83%
OCF(TTM)1.58
OCFY7.32%
SpS6.82
BVpS18.14
TBVpS14.95
PEG (NY)N/A
PEG (5Y)0.72
Graham Number29.274 (35.4%)
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 10.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.04%
GM N/A
FCFM 21.65%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.68
Debt/EBITDA N/A
Cap/Depr 39.71%
Cap/Sales 1.53%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 74.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.17%
ROIC/WACCN/A
Cap/Depr(3y)71.36%
Cap/Depr(5y)68.15%
Cap/Sales(3y)2.67%
Cap/Sales(5y)2.4%
Profit Quality(3y)109.78%
Profit Quality(5y)132.06%
High Growth Momentum
Growth
EPS 1Y (TTM)6.6%
EPS 3Y8.11%
EPS 5Y14.33%
EPS Q2Q%-1.92%
EPS Next Y-0.6%
EPS Next 2Y5.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.8%
Revenue growth 3Y9.19%
Revenue growth 5Y8.58%
Sales Q2Q%4.31%
Revenue Next Year20.05%
Revenue Next 2Y12.55%
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-24%
FCF growth 3Y-21.02%
FCF growth 5Y15.69%
OCF growth 1Y-26.91%
OCF growth 3Y-20.16%
OCF growth 5Y14.11%

FULTON FINANCIAL CORP / FULT Fundamental Analysis 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 4 / 10 to FULTON FINANCIAL CORP (FULT). This can be considered as Fairly Valued.


Can you provide the profitability details for FULTON FINANCIAL CORP?

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


What is the earnings growth outlook for FULTON FINANCIAL CORP?

The Earnings per Share (EPS) of FULTON FINANCIAL CORP (FULT) is expected to decline by -0.6% in the next year.


Can you provide the dividend sustainability for FULT stock?

The dividend rating of FULTON FINANCIAL CORP (FULT) is 6 / 10 and the dividend payout ratio is 37.03%.