CoverageForm 410-K10-Q8-K13D13G13F

FULT · Fulton Financial Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · FULT

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$28.28M$39.16M$30.05M$30.20M$28.80M$28.80M
Operating Income$485.59M$344.63M$348.72M$347.01M$202.24M$202.24M
Interest Expense--$418.95M$83.20M$59.68M$113.67M
Income Tax$93.98M$55.89M$64.44M$60.03M$58.75M$24.19M
Net Income$391.61M$288.74M$284.28M$286.98M$275.50M$178.04M
EPS - Basic$2.10$1.59$1.66$1.69$1.63$1.08
EPS - Diluted$2.08$1.57$1.64$1.67$1.62$1.08

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$1.06B$1.06B$549.71M$681.92M$1.64B$1.85B
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$32.12B$32.07B$27.57B$26.93B$25.80B$25.91B
Current Liabilities------
Long-term Debt------
Total Liabilities$28.63B$28.87B$24.81B$24.35B$23.08B$23.29B
Stockholders' Equity$3.49B$3.20B$2.76B$2.58B$2.71B$2.62B
Retained Earnings$2.02B$1.78B$1.62B$1.45B$1.28B$1.12B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$304.48M$416.56M$362.98M$598.27M$342.27M$154.49M
Investing Cash Flow($82.18M)$1.63B($809.22M)($1.54B)($213.97M)($2.50B)
Financing Cash Flow($224.57M)($1.53B)$314.02M($15.90M)($337.52M)$3.68B
CapEx------
Free Cash Flow------

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income------
R&D / Revenue------
SG&A / Revenue------
Effective tax rate19.4%16.2%18.5%17.3%17.6%12.0%
Return on assets1.2%0.9%1.0%1.1%1.1%0.7%
Return on equity11.2%9.0%10.3%11.1%10.2%6.8%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage--0.8x4.2x3.4x1.8x
Equity multiplier9.2010.039.9910.449.519.90
Liabilities / Assets0.890.900.900.900.890.90
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E9.3x12.3x10.0x10.1x10.5x11.8x
P / B1.0x1.1x1.0x1.1x1.0x0.8x
P / S------
EV / EBITDA4.8x6.1x5.8x5.6x4.9x1.0x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)40.9%-1.2%0.5%71.6%0.0%-23.4%
Net income growth (YoY)35.6%1.6%-0.9%4.2%54.7%-21.3%
EPS growth (YoY)32.5%-4.3%-1.8%3.1%50.0%-20.0%
EPS CAGR (3y)7.6%-1.0%14.9%7.3%11.1%3.3%
EPS CAGR (5y)14.0%3.1%6.8%11.2%11.7%4.9%
FCF growth (YoY)------
FCF CAGR (5y)------
Book value growth (YoY)9.2%15.8%7.0%-4.9%3.7%11.7%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

3/9
Weak
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

Comparing FULTON FINANCIAL CORP against the 5 most active filers in the same SIC group.

Dividends

$0.74/share trailing 12 months · +5.7% YoY

Ex-datePer share
Apr 1, 2026$0.1900
Dec 31, 2025$0.1900
Oct 1, 2025$0.1800
Jul 1, 2025$0.1800
Apr 1, 2025$0.1800
Dec 31, 2024$0.1800
Oct 1, 2024$0.1700
Jul 1, 2024$0.1700
Mar 28, 2024$0.1700
Dec 29, 2023$0.1700
Sep 29, 2023$0.1600
Jun 30, 2023$0.1600
Mar 31, 2023$0.1500
Dec 30, 2022$0.1500
Nov 30, 2022$0.0600
Sep 30, 2022$0.1500
Jun 30, 2022$0.1500
Mar 31, 2022$0.1500
Dec 30, 2021$0.1400
Nov 30, 2021$0.0800
Sep 30, 2021$0.1400
Jun 30, 2021$0.1400
Mar 31, 2021$0.1400
Dec 30, 2020$0.1300