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FULT 
Fulton Financial Corporation (FULT)
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Upturn Advisory Summary
12/01/2025: FULT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21
1 Year Target Price $21
| 2 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25.26% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.28B USD | Price to earnings Ratio 9.5 | 1Y Target Price 21 |
Price to earnings Ratio 9.5 | 1Y Target Price 21 | ||
Volume (30-day avg) 7 | Beta 0.88 | 52 Weeks Range 14.05 - 20.81 | Updated Date 11/30/2025 |
52 Weeks Range 14.05 - 20.81 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 3.95% | Basic EPS (TTM) 1.91 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.36% | Operating Margin (TTM) 42.62% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 10.92% |
Valuation
Trailing PE 9.5 | Forward PE 10.15 | Enterprise Value 4204523520 | Price to Sales(TTM) 2.66 |
Enterprise Value 4204523520 | Price to Sales(TTM) 2.66 | ||
Enterprise Value to Revenue 3.81 | Enterprise Value to EBITDA - | Shares Outstanding 180598620 | Shares Floating 178074514 |
Shares Outstanding 180598620 | Shares Floating 178074514 | ||
Percent Insiders 1.1 | Percent Institutions 79.09 |
Upturn AI SWOT
Fulton Financial Corporation
Company Overview
History and Background
Fulton Financial Corporation was founded in 1882 in Lancaster, Pennsylvania. Originally known as Fulton National Bank, it has grown through acquisitions and organic expansion to become a multi-bank financial holding company.
Core Business Areas
- Community Banking: Provides a range of financial services to individuals and businesses, including deposit accounts, loans, and wealth management services.
- Commercial Banking: Offers commercial lending, treasury management, and other financial services to businesses of various sizes.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
Curtis J. Myers is the Chairman, President and Chief Executive Officer. The company operates under a multi-bank structure, with various subsidiary banks operating under the Fulton Financial Corporation umbrella.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver. Competitors include M&T Bank, PNC, and Truist. Market share for commercial loans varies by region but Fulton maintains a strong regional presence.
- Residential Mortgages: Mortgages are a key product for individual customers. Competitors include national banks like Wells Fargo and Chase. Specific market share data isn't readily available.
- Deposit Accounts: Checking, savings and money market accounts make up a core offering. Competitors include local credit unions and regional banks. Market share for deposits fluctuates based on promotional offers and interest rates.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and evolving customer expectations for digital banking services. Consolidation is ongoing.
Positioning
Fulton Financial Corporation is a regional bank focused on community banking. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for regional banking services in Fulton's operating footprint is estimated to be in the tens of billions of dollars. Fulton is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Customer-focused approach
- Diversified revenue streams
- Sound asset quality
Weaknesses
- Limited geographic reach compared to national banks
- Less brand recognition outside its core market
- Potential for higher operating costs due to regulatory compliance
- Dependency on interest rate environment
Opportunities
- Expansion into new markets within its region
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates and potential economic downturn
- Regulatory changes that increase compliance costs
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- PNC Financial Services (PNC)
- Truist Financial (TFC)
Competitive Landscape
Fulton competes with larger national banks and smaller regional players. Its advantage lies in its strong local presence and customer relationships, but it faces challenges in competing with the scale and resources of larger institutions.
Growth Trajectory and Initiatives
Historical Growth: Fulton has grown steadily through a combination of organic growth and acquisitions.
Future Projections: Future growth projections vary depending on economic conditions and analyst estimates.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets within its region.
Summary
Fulton Financial Corporation is a regional bank with a solid foundation, benefitting from its strong regional presence and customer focus. It faces competition from larger national banks and fintech companies, which may put pressure on margins. Future growth will depend on its ability to adapt to changing customer preferences and navigate the evolving regulatory landscape. It is adequately positioned to continue to grow in revenue if it maintains its strategic acquisitions.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fulton Financial Corporation
Exchange NASDAQ | Headquaters Lancaster, PA, United States | ||
IPO Launch date 1990-03-26 | CEO & Chairman Mr. Curtis J. Myers | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3400 | Website https://www.fultonbank.com |
Full time employees 3400 | Website https://www.fultonbank.com | ||
Fulton Financial Corporation operates as the bank holding company for Fulton Bank that provides banking and financial products and services in the United States. It provides various checking accounts and savings deposit products, and certificates of deposit. The company also offers consumer loans products, including home equity loans and lines of credit; construction and jumbo residential mortgage loans; automobile, student, and personal loans; account overdraft protection; commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it offers letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns trust preferred securities; and sells various life insurance products. It provides its products and services through financial center locations, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. Fulton Financial Corporation was founded in 1882 and is headquartered in Lancaster, Pennsylvania.
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