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Upturn AI SWOT - About
FULT 
Fulton Financial Corporation (FULT)
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Upturn Advisory Summary
09/12/2025: 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 -23.79% | Avg. Invested days 30 | 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 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.54B USD | Price to earnings Ratio 11.42 | 1Y Target Price 20.8 |
Price to earnings Ratio 11.42 | 1Y Target Price 20.8 | ||
Volume (30-day avg) 7 | Beta 0.87 | 52 Weeks Range 14.18 - 21.84 | Updated Date 09/14/2025 |
52 Weeks Range 14.18 - 21.84 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.67% | 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 11.42 | Forward PE 10.15 | Enterprise Value 4776750592 | Price to Sales(TTM) 2.92 |
Enterprise Value 4776750592 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 4.27 | Enterprise Value to EBITDA - | Shares Outstanding 182104000 | Shares Floating 179611338 |
Shares Outstanding 182104000 | Shares Floating 179611338 | ||
Percent Insiders 1.09 | Percent Institutions 77.94 |
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. Over the years, it has grown through acquisitions and organic expansion, evolving into a multi-bank holding company.
Core Business Areas
- Community Banking: Provides a range of banking services, including checking, savings, loans, and mortgages, to individuals and small businesses.
- Commercial Banking: Offers lending, treasury management, and other financial solutions to mid-sized businesses and corporations.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
Curt Myers serves as the Chairman, President, and Chief Executive Officer. The organization is structured with various executive management teams overseeing different business segments and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is regionally specific. Competitors include M&T Bank, PNC, and local credit unions. Estimated regional market share is approximately 5%.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share data varies by region. Competitors include Wells Fargo, Chase, and Rocket Mortgage. Estimated regional market share is approximately 3%.
- Small Business Loans: Loans to help small businesses start, grow, and operate. Competitors include Bank of America, TD Bank, and online lenders. Estimated regional market share is approximately 4%.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation, increased regulatory scrutiny, and margin pressure due to low interest rates. Competition is intense, and customer expectations are rising.
Positioning
Fulton Financial Corporation positions itself as a community-focused bank with strong relationships and a commitment to local markets. It aims to provide personalized service and tailored solutions.
Total Addressable Market (TAM)
The total addressable market is estimated at $500 Billion across the Mid-Atlantic region. Fulton Financial Corporation aims to serve 5% of the TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence in Pennsylvania, Maryland, Delaware, New Jersey and Virginia.
- Experienced management team
- Diversified revenue streams
- Solid credit quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on net interest income
Opportunities
- Expansion into new markets within the Mid-Atlantic region
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Potential acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- MTB
- PNC
- USB
Competitive Landscape
Fulton Financial Corporation competes with larger national banks and smaller regional banks. Its advantages include a strong community focus and personalized service. Its disadvantages include limited scale and geographic reach.
Major Acquisitions
Prudential Bancorp, Inc
- Year: 2022
- Acquisition Price (USD millions): 142
- Strategic Rationale: Expanded footprint in the Philadelphia market and increased scale.
Growth Trajectory and Initiatives
Historical Growth: Requires actual historical growth data.
Future Projections: Requires actual analyst projections.
Recent Initiatives: Focus on digital banking enhancements, strategic acquisitions, and expanding wealth management services.
Summary
Fulton Financial Corporation is a regional bank with a solid community focus and a growing presence in the Mid-Atlantic region. It benefits from a diversified revenue stream and a strong credit quality, however its smaller scale compared to national banks presents challenges. The bank should focus on expanding its digital banking capabilities and navigating the changing interest rate environment to sustain growth. Overall, Fulton Financial is financially stable in the industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Financial data requires actual access to the financial reports. The AI-based rating is generated based on available data and may be 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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