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Upturn AI SWOT - About
FULT 
Fulton Financial Corporation (FULT)
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Upturn Advisory Summary
08/28/2025: FULT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $20.8
1 Year Target Price $20.8
| 2 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.8% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.62B USD | Price to earnings Ratio 11.57 | 1Y Target Price 20.8 |
Price to earnings Ratio 11.57 | 1Y Target Price 20.8 | ||
Volume (30-day avg) 7 | Beta 0.84 | 52 Weeks Range 14.18 - 21.84 | Updated Date 08/28/2025 |
52 Weeks Range 14.18 - 21.84 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.58% | 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 26.74% | Operating Margin (TTM) 42.18% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 10.08% |
Valuation
Trailing PE 11.57 | Forward PE 10.15 | Enterprise Value 4822276608 | Price to Sales(TTM) 2.98 |
Enterprise Value 4822276608 | Price to Sales(TTM) 2.98 | ||
Enterprise Value to Revenue 4.3 | Enterprise Value to EBITDA - | Shares Outstanding 182104000 | Shares Floating 179618623 |
Shares Outstanding 182104000 | Shares Floating 179618623 | ||
Percent Insiders 1.08 | Percent Institutions 77.81 |
Upturn AI SWOT
Fulton Financial Corporation
Company Overview
History and Background
Fulton Financial Corporation was founded in 1882 as Fulton National Bank in Lancaster, Pennsylvania. It has grown through organic expansion and acquisitions to become a multi-bank financial holding company serving the Mid-Atlantic region.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals, small businesses, and commercial clients. Includes deposit accounts, loans, and other financial services.
- Commercial Banking: Focuses on providing lending, treasury management, and other financial solutions to larger businesses and corporations.
- Investment Management and Trust Services: Offers wealth management, trust administration, and investment advisory services to individuals, families, and institutions.
Leadership and Structure
Curtis J. Myers is the Chairman, President and CEO. The company operates under a multi-bank structure with various subsidiary banks operating under the Fulton Financial brand.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans extended to businesses for various purposes, a key revenue driver. Market share is regional, competing with national and regional banks. Competitors: PNC, M&T Bank.
- Residential Mortgages: Mortgages for home purchases and refinancing. Competitors: Wells Fargo, JPMorgan Chase.
- Wealth Management Services: Investment advice and portfolio management. Competitors: Vanguard, Fidelity.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Consolidation continues to be a major trend.
Positioning
Fulton Financial Corporation is a regional bank focused on community banking and relationship-based service. Its competitive advantage lies in its local presence and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Fulton's geographic footprint is estimated at $50 billion. Fulton Financial is positioned to capture a reasonable share of this market through its regional presence and customer focus.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Loyal customer base
- Diversified revenue streams
- Sound asset quality
Weaknesses
- Limited geographic reach compared to national banks
- Smaller scale may limit investment in technology
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within the Mid-Atlantic region
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates could impact loan demand
- Regulatory changes may increase compliance costs
Competitors and Market Share
Key Competitors
- PNC
- MTB
- CMA
Competitive Landscape
Fulton Financial Corporation faces competition from larger national banks and smaller community banks. Its advantage lies in its strong regional presence and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Fulton Financial Corporation's growth has been steady, driven by organic expansion and strategic acquisitions.
Future Projections: Future projections for Fulton Financial Corporation depend on economic conditions and the company's ability to execute its strategic plan. Analyst estimates vary.
Recent Initiatives: Recent strategic initiatives include investments in digital banking and expansion of wealth management services.
Summary
Fulton Financial Corporation is a regional bank with a strong presence in the Mid-Atlantic. Its strengths include a loyal customer base and diversified revenue streams. However, it faces competition from larger banks and technological disruption and Fulton needs to stay competitive with its current tech.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Databases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to 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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