Company Analysis

Fulton Financial Corporation (FULT)

Nasdaq: FULT · National Commercial Banks · Lancaster, PA · filing with the SEC since 1995
Grade4.7
◀ Past 4.3● Present 5.1▶ Future 4.5

The grade of Fulton Financial Corporation

Nine metrics read from its own filings, by tense
Headline grade
4.7/10
◀ Past4.340% of the headline
● Present5.135% of the headline
▶ Future4.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

4.3/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
3.5/10

Has it survived what it has been through?

1 warning event since 2017; the latest 2024-03-01.

weight 45% of this tense · 35th percentile among 83 sector filers · read for itself

From the record

Fulton Financial Corporation's filings since 2017 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2024-03-01) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.3/10

What has it actually done, year after year?

+11.6% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 43rd percentile among 79 sector filers · read for its customers

From the record

Fulton Financial Corporation's 10 filed years say what it did: revenue went from $603 million in fiscal 2016 to $1.6 billion in fiscal 2025, up 11.6% a year; it rose in 7 of 9 years; the deepest fall was 12% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span11.6%bottom 45% of its family
  • the share of years revenue rosebottom 41% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak12.3%bottom 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
5.5/10

How has it treated the people who own it?

Share count grew 3.5% a year. 52% of cash flow returned. Insiders: 7 sales, 0 purchases.

weight 33% of this tense · 55th percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Fulton Financial Corporation's diluted share count grew about 3.5% a year, and dividends and buybacks returned about 52% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 7 sales (5 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-10 (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 34% of its family
  • cash returned against operating cash flowtop 24% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.1/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
4.9/10

Is it financially healthy right now?

ROE 11%: 11¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.

weight 45% of this tense · 49th percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Fulton Financial Corporation earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 3.4% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 50% of its family
  • return on equitytop 33% of its family
  • the share count against the year beforebottom 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.0/10

How strong is its position in its industry?

top 30% of 79 in its family; net margin 24.2%.

weight 33% of this tense · 70th percentile among 79 sector filers · read for its customers

From the record

Fulton Financial Corporation's standing among 79 graded names in its industry family: revenue of $1.6 billion in fiscal 2025 ranks in the top 31% by size; a net margin of 24.2% ranks in the top 40%; revenue growth of 23.2% a year over the last 3 filed years ranks in the top 21% (its annual reports).

What it rests on

  • revenue against the family$1.62Btop 31% of its family
  • net margin24.2%top 40% of its family
  • three-year revenue growth23.2%top 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
2.8/10

What are the people in charge doing?

bottom 28% of 74 in its family for leadership; chief executive since 2023.

weight 22% of this tense · 28th percentile among 74 sector filers · read for its shareholders

From the record

Fulton Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Myers, Curtis J (Chairman & CEO, as filed), filing under that title since 2023-02-09, 3.8 years (bottom 29% of its family); the 25 officers and directors filing in the last fifteen months have been on the record a median of 5.5 years (bottom 25%); 11 officer or director changes were reported on Form 8-K since 2023-11-13, against the 25 people in charge now (bottom 31%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge11 in three years among 25 peoplebottom 31% of its family
  • the median years the people in charge have filed5.5 yearsbottom 25% of its family
  • the chief executive's years on the record3.8 yearsbottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.5/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
2.7/10

How much room does it have to grow?

bottom 27% of 71 in its family for room to expand.

weight 33% of this tense · 27th percentile among 71 sector filers · read for itself

From the record

Fulton Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $1.1 billion against debt of $1.3 billion leaves -0.7% of its assets as net cash, bottom 22% of its family; cash from operations less capital spending is 18.8% of revenue (bottom 31%) (its annual report).

What it rests on

  • cash less debt against assets-0.7%bottom 22% of its family
  • cash from operations less capital spending against revenue18.8%bottom 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.1/10

What could actually drive growth from here?

top 39% of 79 in its family for growth drivers.

weight 33% of this tense · 61st percentile among 79 sector filers · read for its customers

From the record

Fulton Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 23.2% a year over the last three filed years against 11.6% over all 10, speeding up (top 17% of its family); the newest year grew 2.2% (bottom 40%) (its annual reports). Fulton Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+11.6 points a yeartop 17% of its family
  • the newest year's revenue growth2.2%bottom 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.8/10

Did its newest year beat what its own record pointed to?

bottom 48% of 76 in its family for expectations against reality.

weight 33% of this tense · 48th percentile among 76 sector filers · read for its shareholders

From the record

Fulton Financial Corporation's newest year against its own record: revenue of $1.6 billion in fiscal 2025 came in 24.4% below the $2.1 billion its prior three years' pace pointed to (bottom 16% of its family); net income of $392 million against a prior three-year average of $287 million (top 28%); a net margin of 24.2% against 24.6% before (top 44%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-24.4%bottom 16% of its family
  • net income against the prior three years' average+37%top 28% of its family
  • net margin against its prior average-0.4 pointstop 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton FULT · research, not advice