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Upturn AI SWOT - About
FULT 
Fulton Financial Corporation (FULT)
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Upturn Advisory Summary
10/14/2025: 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 $20.83
1 Year Target Price $20.83
| 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 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.22B USD | Price to earnings Ratio 10.39 | 1Y Target Price 20.83 |
Price to earnings Ratio 10.39 | 1Y Target Price 20.83 | ||
Volume (30-day avg) 7 | Beta 0.84 | 52 Weeks Range 14.05 - 21.63 | Updated Date 10/13/2025 |
52 Weeks Range 14.05 - 21.63 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 4.10% | Basic EPS (TTM) 1.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 0.5 | 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 10.39 | Forward PE 10.15 | Enterprise Value 4456246784 | Price to Sales(TTM) 2.65 |
Enterprise Value 4456246784 | Price to Sales(TTM) 2.65 | ||
Enterprise Value to Revenue 4.1 | Enterprise Value to EBITDA - | Shares Outstanding 182104347 | Shares Floating 179636833 |
Shares Outstanding 182104347 | Shares Floating 179636833 | ||
Percent Insiders 1.09 | Percent Institutions 77.85 |
Upturn AI SWOT
Fulton Financial Corporation
Company Overview
History and Background
Fulton Financial Corporation was founded in 1882 as Fulton National Bank. It has grown through acquisitions and organic growth to become a regional financial services company serving the Mid-Atlantic region.
Core Business Areas
- Community Banking: Offers a range of banking services, including checking and savings accounts, loans, and wealth management solutions to individuals and small businesses.
- Commercial Banking: Provides commercial lending, treasury management, and other financial services to businesses of various sizes.
- Mortgage Banking: Originates and services residential mortgage loans.
- Investment Management and Trust Services: Offers investment management, trust, and financial planning services.
Leadership and Structure
Curtis J. Myers is the Chairman, President, and CEO. The company operates under a board of directors and has various executive leadership positions overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant part of the commercial banking segment. While specific market share data is not readily available, Fulton competes with national and regional banks for these loans. Competitors include PNC, Wells Fargo, and M&T Bank.
- Residential Mortgages: Mortgage originations contribute significantly to Fulton's revenue. Market share fluctuates based on interest rates and competitive pressures. Competitors include Rocket Mortgage, United Wholesale Mortgage and local banks
- Small Business Loans: SBA and conventional loans for small businesses represent a core banking product, competing with other regional and national lenders. Market share is regionally competitive. Competitors include Bank of America, Santander, and community development financial institutions.
Market Dynamics
Industry Overview
The banking industry is currently navigating interest rate volatility, regulatory changes, and increasing competition from fintech companies. Economic conditions and consumer confidence also play a significant role.
Positioning
Fulton Financial Corporation is positioned as a community-focused regional bank, emphasizing relationship banking and local market expertise. Its competitive advantage lies in its personalized service and strong community ties.
Total Addressable Market (TAM)
The total addressable market for banking services in Fulton's geographic footprint is substantial, encompassing personal banking, commercial lending, and wealth management. Fulton's regional focus allows it to capture a significant portion of this TAM by catering to local needs.
Upturn SWOT Analysis
Strengths
- Strong community presence
- Relationship-focused banking model
- Diversified revenue streams
- Experienced management team
- Conservative lending practices
Weaknesses
- Geographic concentration (Mid-Atlantic region)
- Smaller scale compared to national banks
- Dependence on interest rate environment
- Limited international presence
- Technological advancements need improvements
Opportunities
- Expansion into new markets within the Mid-Atlantic region
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic acquisitions of smaller banks or fintech companies
- Capitalizing on economic growth in its operating areas
Threats
- Rising interest rates
- Increased competition from national and online banks
- Economic downturn in the Mid-Atlantic region
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC (PNC)
- M&T Bank (MTB)
- WSFS Financial Corporation (WSFS)
Competitive Landscape
Fulton Financial Corporation competes with larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its strong community relationships and personalized service. However, it faces challenges in terms of scale and technological capabilities compared to larger competitors.
Major Acquisitions
Hamilton Bank
- Year: 2018
- Acquisition Price (USD millions): 63.9
- Strategic Rationale: Expanded market share in Pennsylvania and strengthened commercial lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Fulton Financial Corporation has demonstrated steady growth through organic expansion and strategic acquisitions.
Future Projections: Analysts project continued revenue and earnings growth for Fulton Financial Corporation, driven by loan growth, fee income, and expense management.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion of wealth management services, and efforts to improve operational efficiency.
Summary
Fulton Financial Corporation exhibits a solid regional banking model, characterized by steady growth and community focus. Their strengths are their strong customer relationships and dividend payout. Challenges include competition from larger banks and needed improvement in technological advancement. Overall, Fulton has a good financial position but it must adapt to changing market conditions to sustain growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Press releases
- Company Investor Relations Page
Disclaimers:
This analysis is based on publicly available information and is not 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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