Stocks · Financial Services · Banks - Regional
Fulton Financial Corporation FULT
$22.81 +0.97% Close, Oct 2, 2026 · NASDAQ · Market cap $4.36B
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +15.7%).
- The stock is in an uptrend: above its 200-day average for 214 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $2.09, up 22.2% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth65Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 26%
- EPS growth (TTM, YoY)Top 47%
- FCF growth (TTM, YoY)Top 9%
- Revenue growth, 3-year CAGRTop 31%
- Revenue growth accelerationBottom 47%
Quality58Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 29%
- Gross marginTop 39%
- Operating marginTop 39%
- Cash conversion (OCF / net income)Bottom 43%
- Accruals (lower is better)Bottom 39%
- Net debt / EBITDA (lower is better)Top 44%
- Interest coverBottom 46%
Value73Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 22%
- Free-cash-flow yieldTop 42%
- EBITDA / enterprise valueTop 25%
- Sales / enterprise valueTop 34%
- P/E vs own 5-year history (lower is better)Bottom 31%
Momentum66Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 24%
- 6-month returnTop 37%
- 1-year return vs S&P 500Top 26%
- Distance from 52-week highTop 47%
- Trend checklist (0–4)Top 48%
Revisions66Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 17%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyBottom 10%
- Upside to consensus price targetTop 47%
Stability48Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 26%
- Maximum drawdown, 3 yearsBottom 44%
- Beta vs S&P 500 (lower is better)Bottom 19%
- Net debt / EBITDA (lower is better)Top 44%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.5% | -0.1% | ↓ |
| EPS growth (YoY) | 23.5% | 22.2% | ↓ |
| Gross margin | 64.6% | 69.3% | ↑ |
| Operating margin | 21.1% | 25.7% | ↑ |
| FCF margin | 7.1% | 20.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -0.1% | 0.5% | ↓ | Bottom 26% |
| EPS growth (TTM, YoY) | 22.2% | 23.5% | ↓ | Top 47% |
| Gross margin | 69.3% | 64.6% | ↑ | Top 39% |
| Operating margin | 25.7% | 21.1% | ↑ | Top 39% |
| Net margin | 20.7% | 16.9% | ↑ | — |
| Free-cash-flow margin | 20.6% | 7.1% | ↑ | — |
| Return on invested capital | 5.0% | — | Top 29% | |
| Revenue growth, 3-year CAGR | 20.1% | — | Top 31% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.08×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -75.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.86×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.35%
- Net buyback yield (TTM)
- 1.94%
- Shareholder yield
- 5.29%
- Share count change, 1 year
- +1.9%
- Share count change, 3-year CAGR
- +3.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +15.7%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $26.50
- Target vs current price
- +16.2%
- Analysts with a rating
- 20
- Share rating Buy or Strong Buy
- 15%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +26.6% | -0.7% | +0.2% | -1.3% | — |
| Apr 22, 2026 | +17.4% | -0.1% | -0.6% | -4.6% | +13.4% |
| Jan 21, 2026 | +5.8% | +4.3% | +3.6% | +11.8% | +9.0% |
| Oct 21, 2025 | +13.2% | +1.3% | +1.8% | -3.5% | +14.3% |
| Jul 15, 2025 | +29.4% | -2.8% | -0.9% | -8.9% | -5.4% |
| Apr 15, 2025 | +25.9% | +2.3% | +3.4% | +17.4% | +22.0% |
| Jan 21, 2025 | +11.6% | +1.2% | -1.3% | -0.3% | -23.2% |
| Oct 15, 2024 | -25.0% | +0.7% | -3.3% | +17.4% | +5.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.52 | $0.41 | +26.6% | $367.9M |
| Apr 22, 2026 | $0.55 | $0.47 | +17.4% | $336.2M |
| Jan 21, 2026 | $0.55 | $0.52 | +5.8% | $340.4M |
| Oct 21, 2025 | $0.55 | $0.49 | +13.2% | $334.4M |
| Jul 15, 2025 | $0.55 | $0.43 | +29.4% | $324.1M |
| Apr 15, 2025 | $0.52 | $0.41 | +25.9% | $318.4M |
| Jan 21, 2025 | $0.48 | $0.43 | +11.6% | $326.3M |
| Oct 15, 2024 | $0.33 | $0.44 | -25.0% | $329.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.9× | 10.4× | 76th | Top 22% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 9.2× | — | — | Top 25% |
| EV / Sales | 2.51× | — | — | Top 34% |
| Free-cash-flow yield | 9.07% | — | — | Top 42% |
| Earnings yield | 9.16% | — | — | Top 22% |
P/E over the past five years
Range 6.0× – 13.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +25.1%
- Earnings per share growth (TTM)
- +22.2%
- Change in P/E multiple
- +11.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 214
- 50-day average slope (20 days)
- -1.8%
- 200-day average slope (20 days)
- +2.2%
- Distance from 50-day average
- -4.1%
- Distance from 200-day average
- +3.3%
- RSI (14)
- 40.3
- Relative volume
- 1.07×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.1%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.04
- Correlation with S&P 500
- 0.55
- Current drawdown from 1-year high
- -9.4%
- Maximum drawdown, 3 years
- -31.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 11, 2023 | -48.9% | 331 days | 296 days (Jul 17, 2024) |
| Nov 25, 2024 | Apr 4, 2025 | -31.2% | 88 days | 209 days (Feb 4, 2026) |
| Mar 12, 2021 | Sep 21, 2021 | -19.8% | 133 days | 75 days (Jan 6, 2022) |
| Jul 23, 2024 | Aug 7, 2024 | -15.8% | 11 days | 64 days (Nov 6, 2024) |
| Feb 6, 2026 | Mar 18, 2026 | -15.5% | 27 days | 59 days (Jun 11, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.36B
- P/E (TTM)
- 10.9
- EPS, diluted (TTM)
- $2.09
- Revenue (TTM)
- $1.92B
- Dividend yield
- 3.33%
- 52-week range
- $16.60 – $25.23
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $997.2M | $1.09B | $1.50B | $1.80B | $1.89B |
| Gross profit | $952.1M | $988.7M | $1.03B | $1.13B | $1.28B |
| Operating income | $334.2M | $347.0M | $348.7M | $344.6M | $485.6M |
| Net income | $275.5M | $287.0M | $284.3M | $288.7M | $391.6M |
| EPS (diluted) | $1.62 | $1.67 | $1.64 | $1.57 | $2.08 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $494.2M | $484.4M | $466.9M | $471.9M | $481.2M | $471.8M | $454.6M | $507.5M |
| Net income | $63.2M | $68.6M | $93.0M | $99.2M | $100.5M | $99.0M | $94.8M | $102.4M |
| EPS (diluted) | $0.33 | $0.36 | $0.49 | $0.53 | $0.53 | $0.53 | $0.51 | $0.52 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $338.4M | $594.8M | $363.0M | $416.6M | $304.5M |
| Capital expenditure | -$17.7M | -$21.2M | -$33.0M | -$42.5M | -$20.1M |
| Free cash flow | $320.7M | $573.5M | $330.0M | $374.1M | $284.3M |
| Dividends paid | -$112.0M | -$116.0M | -$115.7M | -$131.7M | -$141.2M |
| Net share buybacks | -$36.5M | $7.9M | -$73.9M | $240.2M | -$58.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $6.39B
- Total assets
- $34.56B
- Total liabilities
- $30.74B
- Total debt
- $1.71B
- Net debt
- $450.9M
- Shareholders’ equity
- $3.82B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 1, 2026 | $0.19 | Oct 15, 2026 |
| Jul 1, 2026 | $0.19 | Jul 15, 2026 |
| Apr 1, 2026 | $0.19 | Apr 15, 2026 |
| Dec 31, 2025 | $0.19 | Jan 15, 2026 |
| Oct 1, 2025 | $0.18 | Oct 15, 2025 |
| Jul 1, 2025 | $0.18 | Jul 15, 2025 |
| Apr 1, 2025 | $0.18 | Apr 15, 2025 |
| Dec 31, 2024 | $0.18 | Jan 15, 2025 |
Short interest
- Shares sold short
- 10,217,574
- Days to cover
- 7.97
- Change vs previous report
- +9.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 17, 2006
- 21-for-20
- Jun 9, 2005
- 5-for-4
- May 12, 2004
- 21-for-20
- Apr 28, 2003
- 21-for-20
- May 21, 2002
- 5-for-4