Fulton Financial
Mid-Atlantic bank offering commercial, consumer, mortgage, and wealth services.
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Profile
Operates Fulton Bank across the Mid-Atlantic, earning most revenue from the spread on loans, investments, deposits, and borrowings. Commercial and consumer banking, mortgages, cash management, and wealth services run through one national bank, with northern New Jersey enlarged by the Blue Foundry integration.
Provides commercial and consumer banking, residential mortgages, and wealth management through Fulton Bank across Pennsylvania, New Jersey, Maryland, Delaware, and Virginia. Core revenue comes from the spread between interest earned on loans and investments and interest paid on deposits and borrowings, supplemented by fees from cash management, cards, mortgage banking, and advisory services.
Pairs relationship banking and local financial centers with mobile and online channels. The completed Blue Foundry integration expanded the network in northern New Jersey, with more than 215 financial centers serving the Mid-Atlantic footprint.
Carries a loan book weighted toward commercial, commercial real estate, and construction lending, tying results to borrower credit and interest-rate conditions. The parent is supervised by the Federal Reserve; Fulton Bank is primarily regulated by the OCC and examined by the CFPB for consumer compliance.
Company facts
Categories
Key statistics
Year to date +21.6% · Average volume (30d) 1.6M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 3, 2026 | Piper Sandler | Reiterate | Neutral | $23 | $27 | |
| Jul 1, 2026 | Raymond James | Reiterate | Outperform | $24 | $26 | |
| Jun 12, 2026 | Piper Sandler | Target | $21 | $23 | ||
| Apr 27, 2026 | Raymond James | Target | $21 | $24 | ||
| Oct 7, 2025 | Raymond James | Upgrade | Mkt Perform | Outperform | $21 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $0.41 | $0.52 | +26.6% | $358.8M | $367.9M | +2.5% | −0.74% |
| Apr 22, 2026Q1 FY26 | $0.47 | $0.55 | +17.4% | $334.1M | $336.2M | +0.6% | +1.10% |
| Jan 21, 2026Q4 FY25 | $0.52 | $0.55 | +5.8% | $336.4M | $340.4M | +1.2% | +2.58% |
| Oct 21, 2025Q3 FY25 | $0.49 | $0.55 | +13.2% | $332.1M | $334.4M | +0.7% | −1.40% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $466.9M | $471.9M | $481.2M | $471.8M | $454.6M | $507.5M | |
| Gross profit | $304.5M | $315.5M | $324.2M | $331.5M | $312.1M | $358.7M | |
| Operating income | $115.1M | $122.7M | $127.8M | $120.1M | $117.1M | $127.7M | |
| Net income | $93.0M | $99.2M | $100.5M | $99.0M | $94.8M | $102.4M | |
| Diluted EPS | $0.49 | $0.53 | $0.53 | $0.53 | $0.51 | $0.52 | |
| Gross margin | 65.2% | 66.8% | 67.4% | 70.3% | 68.7% | 70.7% | |
| Operating margin | 24.6% | 26.0% | 26.6% | 25.5% | 25.8% | 25.2% |
Fiscal years (4-quarter sums)FY21 $963.2M · FY22 $1.09B · FY23 $1.50B · FY24 $1.80B · FY25 $1.89B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $6.39B · Total debt $1.71B · Total assets $34.56B · Shareholders' equity $3.82B
Dividends
Raised for 16 straight years — most recently to $0.19 from $0.18 in Dec 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 1, 2026 | Jul 1 | Jul 15 | $0.19 | |
| Apr 1, 2026 | Apr 1 | Apr 15 | $0.19 | |
| Dec 31, 2025 | Dec 31 | Jan 15 | $0.19 | raised from $0.18 |
| Oct 1, 2025 | Oct 1 | Oct 15 | $0.18 | |
| Jul 1, 2025 | Jul 1 | Jul 15 | $0.18 | |
| Apr 1, 2025 | Apr 1 | Apr 15 | $0.18 | |
| Dec 31, 2024 | Dec 31 | Jan 15 | $0.18 | raised from $0.17 |
| Oct 1, 2024 | Oct 1 | Oct 15 | $0.17 |
Ownership
Shares outstanding 191.13M · Float 188.72M · 98.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 27.98M | 14.64% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 11.95M | 6.25% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 11.75M | 6.15% | 13F | Aug 11, 2026 |
| Price T Rowe Associates Inc /MD/ | 11.70M | 6.12% | 13F | Aug 14, 2026 |
| T. Rowe Price Associates, Inc. | 11.70M | 6.10% | 13G | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 5, 2026 | Lisa Crutchfield | director | −4,100 | $24.80 |
| Aug 4, 2026 | Angela M. Sargent | officer: SEVP & Chief Info Officer | −12,562 | $24.84 |
| Jul 13, 2026 | E. Philip Wenger | director | −5,000 | $24.14 |
| May 4, 2026 | Curtis J. Myers | director, officer: Chairman & CEO | −30,748 | $21.26 |
| Apr 13, 2026 | E. Philip Wenger | director | −5,000 | $21.42 |
Peers
- PNC Financial Services Group
Pennsylvania's largest bank; coast-to-coast franchise with $603B in assets
- M&T Bank
Super-regional bank with ~$213B assets spanning the Mid-Atlantic and Northeast
- Truist Financial
Top-10 US bank with #1 deposit share in VA and #3 in MD across 1,900+ branches
- Citizens Financial Group
Large regional bank with ~$226B assets, strong Mid-Atlantic branch presence
- WSFS Bank
Largest locally headquartered bank and wealth manager in Greater Philadelphia
- Provident Financial Services
New Jersey's second-largest community bank; ~$25B assets, NJ/PA/NY footprint
- Valley National Bancorp
NJ-based regional bank, $64B assets, dominant in northern/central NJ CRE & C&I
- Customers Bancorp
Branch-light PA-based commercial bank with specialized commercial verticals
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Citizens Financial Group | $71.05 | +1.96% | $29.48B | 15.2 | 11.9 | 2.6 | +12.1% |
| WSFS Bank | $78.30 | +0.03% | $4.08B | 13.1 | 11.9 | 3.0 | +5.6% |
| Provident Financial Services | $23.71 | +0.91% | $3.06B | 9.8 | 9.4 | 2.2 | +9.7% |
| Valley National Bancorp | $13.92 | 0.00% | $7.71B | 11.6 | 9.8 | 2.6 | +13.3% |
| Customers Bancorp | $78.58 | 0.00% | $2.66B | 9.6 | 8.7 | 1.8 | +12.4% |
| Median | 12.2 | 11.2 | 2.6 | +10.9% |