Fulton Financial Corp
NASDAQ:FULT
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Fulton Financial Corp
Fulton Financial Corp., headquartered in Lancaster, Pennsylvania, operates as a diversified financial holding company with a rich history rooted in community banking. Established in 1882, the company has built a network that spans the mid-Atlantic region, offering a wide array of banking services through its subsidiary, Fulton Bank. These services cater to both consumer and commercial segments, ranging from traditional deposit accounts and mortgages to nuanced commercial lending and wealth management solutions. What sets Fulton apart is its commitment to understanding local markets, which allows the bank to tailor its offerings to individual community needs, leveraging long-standing relationships and local economic insights.
The company generates revenue primarily through interest income by lending out the deposits it collects, capitalizing on the traditional difference between the interest rates it pays on deposits and the interest rates it earns on loans. Beyond this foundational banking model, Fulton Financial also derives fees from various banking services, including transaction fees, advisory services, and wealth management. By maintaining a careful balance of innovation and tradition, the company endeavors to enhance its profitability while fostering economic growth within its communities. This dual focus on customer intimacy and financial prudence underscores its strength in navigating the ever-evolving financial landscape.
Fulton Financial Corp., headquartered in Lancaster, Pennsylvania, operates as a diversified financial holding company with a rich history rooted in community banking. Established in 1882, the company has built a network that spans the mid-Atlantic region, offering a wide array of banking services through its subsidiary, Fulton Bank. These services cater to both consumer and commercial segments, ranging from traditional deposit accounts and mortgages to nuanced commercial lending and wealth management solutions. What sets Fulton apart is its commitment to understanding local markets, which allows the bank to tailor its offerings to individual community needs, leveraging long-standing relationships and local economic insights.
The company generates revenue primarily through interest income by lending out the deposits it collects, capitalizing on the traditional difference between the interest rates it pays on deposits and the interest rates it earns on loans. Beyond this foundational banking model, Fulton Financial also derives fees from various banking services, including transaction fees, advisory services, and wealth management. By maintaining a careful balance of innovation and tradition, the company endeavors to enhance its profitability while fostering economic growth within its communities. This dual focus on customer intimacy and financial prudence underscores its strength in navigating the ever-evolving financial landscape.
Record EPS: Operating earnings per share reached $2.16 for 2025, setting a new record for the company.
Deposit Growth: Customer deposits grew by $449 million in 2025, driven by strong consumer demand deposit account openings and enhanced initiatives.
Loan Growth Outlook: Organic loan growth faced an $800 million headwind in 2025 but is expected to return to mid-single-digit rates in 2026 as these headwinds subside.
Margin Expansion: Net interest margin increased to 3.59% in Q4, up 9 basis points year-over-year, even amid Fed rate cuts.
Expense Discipline: Operating expenses rose only 1.9% in 2025; normalized for acquisitions, expenses would have been down 2.7% year-over-year.
Strong Asset Quality: Nonperforming assets declined to 0.58% of total assets and net charge-offs remained historically low at 21–24 basis points.
Capital Strength: Tangible book value per share grew by 15% and capital ratios ended the year at their highest in over a decade.
2026 Guidance: Net interest income is guided to $1.120–$1.140 billion, with noninterest income of $285–$300 million and operating expenses of $800–$835 million.
