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Fulton Financial Corporation (FULT)



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Upturn Advisory Summary
06/30/2025: FULT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Year Target Price $19.75
Year Target Price $19.75
2 | Strong Buy |
0 | Buy |
5 | Hold |
0 | Under performing |
0 | Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 - |
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 acquisitions and organic expansion to become a multi-bank financial holding company serving communities across the Mid-Atlantic region.
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 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
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
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
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.
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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