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Fulton Financial Corporation (FULT)

Upturn stock ratingUpturn stock rating
$18.04
Last Close (24-hour delay)
Profit since last BUY-1.96%
upturn advisory
Consider higher Upturn Star rating
BUY since 33 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

06/30/2025: FULT (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

7 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Year Target Price $19.75

Year Target Price $19.75

Analyst’s Price TargetsFor last 52 week
$19.75Target price
Low$14.32
Current$18.04
high$22.06

Analysis of Past Performance

Type Stock
Historic Profit -20.57%
Avg. Invested days 29
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.29B USD
Price to earnings Ratio 10.64
1Y Target Price 19.75
Price to earnings Ratio 10.64
1Y Target Price 19.75
Volume (30-day avg) 7
Beta 0.8
52 Weeks Range 14.32 - 22.06
Updated Date 06/29/2025
52 Weeks Range 14.32 - 22.06
Updated Date 06/29/2025
Dividends yield (FY) 3.98%
Basic EPS (TTM) 1.7

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 26.67%
Operating Margin (TTM) 41.81%

Management Effectiveness

Return on Assets (TTM) 1.07%
Return on Equity (TTM) 10.6%

Valuation

Trailing PE 10.64
Forward PE 10.15
Enterprise Value 4193138688
Price to Sales(TTM) 2.74
Enterprise Value 4193138688
Price to Sales(TTM) 2.74
Enterprise Value to Revenue 4.17
Enterprise Value to EBITDA -
Shares Outstanding 181795008
Shares Floating 179274833
Shares Outstanding 181795008
Shares Floating 179274833
Percent Insiders 1.09
Percent Institutions 76.97

Analyst Ratings

Rating 3
Target Price 19.75
Buy -
Strong Buy 2
Buy -
Strong Buy 2
Hold 5
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Fulton Financial Corporation

stock logo

Company Overview

overview logo History and Background

Fulton Financial Corporation was founded in 1882 as Fulton National Bank in Lancaster, Pennsylvania. It has grown through acquisitions and organic expansion to become a multi-bank financial holding company serving communities across the Mid-Atlantic region.

business area logo Core Business Areas

  • Community Banking: Provides a full range of banking services, including deposit accounts, loans, and investment products, to individuals and small businesses.
  • Commercial Banking: Offers commercial lending, treasury management, and other financial services to mid-sized and large companies.
  • Wealth Management: Provides investment advisory, trust, and estate planning services to high-net-worth individuals and families.

leadership logo Leadership and Structure

Curtis J. Myers is the Chairman and CEO. Fulton Financial operates with a decentralized structure, with subsidiary banks having their own local management teams, overseen by the corporate headquarters.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate development. Competitors include PNC, Bank of America, and Wells Fargo. Market share data specific to commercial loans is difficult to ascertain at a granular regional level.
  • Residential Mortgages: Mortgage loans to individuals for purchasing or refinancing homes. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions. Fulton's mortgage market share is concentrated in its Mid-Atlantic footprint and is difficult to precisely quantify publicly.
  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all banks and credit unions. Market share data is tracked at the regional level.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges including rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is a continuing trend.

Positioning

Fulton Financial positions itself as a community-focused bank offering personalized service. Its competitive advantages include its strong regional presence and long-standing customer relationships.

Total Addressable Market (TAM)

The TAM for banking services in Fulton's geographic region is estimated to be in the hundreds of billions of dollars. Fulton Financial is positioned to capture a portion of this TAM through its community banking model and focus on relationship-based services.

Upturn SWOT Analysis

Strengths

  • Strong regional presence
  • Established customer relationships
  • Diversified revenue streams
  • Experienced management team
  • Solid capital base

Weaknesses

  • Limited national presence
  • Higher operating expenses compared to larger banks
  • Dependence on traditional banking model
  • Slower adoption of digital technologies

Opportunities

  • Expansion into new geographic markets
  • Increased adoption of digital banking services
  • Acquisition of smaller banks or credit unions
  • Growth in wealth management business
  • Capitalizing on financial industry disruption

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates and economic downturn
  • Increased regulatory scrutiny
  • Cybersecurity threats
  • Changes in consumer preferences

Competitors and Market Share

competitor logo Key Competitors

  • PNC
  • CFG
  • HBAN
  • KEY

Competitive Landscape

Fulton Financial competes with larger national banks and smaller regional banks. It differentiates itself through its community-focused approach and personalized service. The competitive landscape is intense, requiring constant adaptation to regulatory changes, technological advancement and economic shifts.

Major Acquisitions

LIG Bancorp

  • Year: 2021
  • Acquisition Price (USD millions): 491
  • Strategic Rationale: Expanded Fulton Financial's presence in the Pennsylvania market.

Growth Trajectory and Initiatives

Historical Growth: Fulton Financial has experienced steady growth over the past decade through acquisitions and organic expansion.

Future Projections: Analysts project continued growth in revenue and earnings per share over the next few years, driven by expansion in new markets and increased adoption of digital banking services.

Recent Initiatives: Recent strategic initiatives include investments in technology, expansion into new markets, and focus on customer experience.

Summary

Fulton Financial Corporation is a financially stable regional bank with a strong community focus. The company is experiencing steady growth, driven by acquisitions and organic expansion. While its limited national presence and slower adoption of digital technologies are weaknesses, its solid capital base and experienced management team provide a foundation for future success. Fulton Financial must remain vigilant about increasing competition, rising interest rates and cybersecurity threats.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings, Analyst reports, Market data providers

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 3400

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.