18.75 USD
-0.14 (-0.74%)
FULTP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. While FULTP is still in line with the averages on profitability rating, there are concerns on its financial health. FULTP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- FULTP had positive earnings in the past year.
- In the past year FULTP had a positive cash flow from operations.
- Each year in the past 5 years FULTP has been profitable.
- FULTP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.10%, FULTP is in the better half of the industry, outperforming 70.76% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 10.28%, FULTP is in the better half of the industry, outperforming 65.01% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of FULTP (27.07%) is better than 66.06% of its industry peers.
- In the last couple of years the Profit Margin of FULTP has grown nicely.
- FULTP 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) | 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
2. Health
2.1 Basic Checks
- FULTP does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, FULTP has less shares outstanding
- Compared to 5 years ago, FULTP has more shares outstanding
- The debt/assets ratio for FULTP is higher compared to a year ago.
2.2 Solvency
- FULTP has a debt to FCF ratio of 3.64. This is a good value and a sign of high solvency as FULTP would need 3.64 years to pay back of all of its debts.
- FULTP has a Debt to FCF ratio of 3.64. This is in the lower half of the industry: FULTP underperforms 65.01% of its industry peers.
- FULTP has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
- FULTP's Debt to Equity ratio of 0.30 is on the low side compared to the rest of the industry. FULTP is outperformed by 67.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FULTP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.05%, which is quite good.
- FULTP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.33% yearly.
- Looking at the last year, FULTP shows a small growth in Revenue. The Revenue has grown by 6.23% in the last year.
- Measured over the past years, FULTP shows a quite strong growth in Revenue. The Revenue has been growing by 8.58% on average per year.
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
- The Earnings Per Share is expected to grow by 5.52% on average over the next years.
- The Revenue is expected to grow by 11.41% on average over the next years. This is quite good.
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.
4. Valuation
4.1 Price/Earnings Ratio
- FULTP is valuated reasonably with a Price/Earnings ratio of 8.89.
- Compared to the rest of the industry, the Price/Earnings ratio of FULTP indicates a rather cheap valuation: FULTP is cheaper than 89.56% of the companies listed in the same industry.
- FULTP is valuated cheaply when we compare the Price/Earnings ratio to 28.87, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 8.86, the valuation of FULTP can be described as reasonable.
- FULTP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FULTP is cheaper than 78.59% of the companies in the same industry.
- FULTP is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.96, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.89 | ||
| Fwd PE | 8.86 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as FULTP.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FULTP does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)34.22
PEG (5Y)0.62
EPS Next 2Y5.52%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FULTP has a Yearly Dividend Yield of 6.77%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.62, FULTP pays a better dividend. On top of this FULTP pays more dividend than 96.87% of the companies listed in the same industry.
- FULTP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.77% |
5.2 History
- On average, the dividend of FULTP grows each year by 6.62%, which is quite nice.
- FULTP has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)6.62%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- FULTP pays out 40.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of FULTP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.37%
EPS Next 2Y5.52%
EPS Next 3YN/A
FULTON FINANCIAL CORP - FULT 5 1/8 PERP / FULTP FAQ
What is the fundamental rating for FULTP stock?
ChartMill assigns a fundamental rating of 4 / 10 to FULTP.
What is the valuation status for FULTP stock?
ChartMill assigns a valuation rating of 5 / 10 to FULTON FINANCIAL CORP - FULT 5 1/8 PERP (FULTP). This can be considered as Fairly Valued.
What is the profitability of FULTP stock?
FULTON FINANCIAL CORP - FULT 5 1/8 PERP (FULTP) has a profitability rating of 4 / 10.
Can you provide the financial health for FULTP stock?
The financial health rating of FULTON FINANCIAL CORP - FULT 5 1/8 PERP (FULTP) is 1 / 10.
Can you provide the dividend sustainability for FULTP stock?
The dividend rating of FULTON FINANCIAL CORP - FULT 5 1/8 PERP (FULTP) is 6 / 10 and the dividend payout ratio is 40.37%.