olivLaw · US equity research
Fulton Financial Corporation FULT
National Commercial Banks · SIC 6021 · Vertical: National Commercial Banks (SIC 6021)
Fulton Financial Corporation is a bank holding company based in Lancaster, Pennsylvania, offering community-oriented consumer, commercial and wealth management banking in five eastern US states. In 2026 the Blue Foundry acquisition expanded its balance sheet significantly, and its net interest margin stayed solid at [3.58%] in the third quarter, while profitability still depends on benchmark interest rates.
At the close of 04 Nov 2026, Fulton Financial Corporation (FULT) stock was 24.31 USD (+2.06% on the day), with market capitalisation 4.6 bn USD, P/E 11.6 on diluted EPS of 2.10 USD over the last 12 months, dividend yield 3.09%, beta 1.00, 52-week range 17.03–25.19 USD. Latest reported quarter (Q2 2026): revenue of 79.3 m USD (+14.7% YoY), net income of 102.4 m USD (+3.2% YoY), diluted EPS 0.52 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 64.8
- strong (55–70)
- Bollinger (20, 2)
- 21.42 – 24.52
- in the upper half of the band · %B 0.93 · band width 13.5%
- SMA 50 / 200
- 23.14 / 22.40
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 0.30 / 0.13
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +7.1% | −2.0% | +9.1 pp | — |
| 3 months | −1.7% | −2.2% | +0.5 pp | — |
| 6 months | +11.6% | +4.3% | +7.3 pp | — |
| Year to date | +25.8% | +10.6% | +15.2 pp | — |
| 1 year | +40.3% | +10.5% | +29.8 pp | +19.1% |
| 3 years | +71.8% | +73.7% | −1.9 pp | +71.5% |
| 5 years | +44.0% | +61.7% | −17.7 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 59.7 m | 65.9 m | 67.2 m | 69.1 m | 70.4 m | 70.0 m | 69.8 m | 79.3 m |
| Pre-tax income | 79.7 m | 86.2 m | 115.1 m | 122.7 m | 127.8 m | 120.1 m | 117.1 m | 127.7 m |
| Income tax | 16.5 m | 17.6 m | 22.1 m | 23.5 m | 27.3 m | 21.1 m | 22.4 m | 25.3 m |
| Net income | 63.2 m | 68.6 m | 93.0 m | 99.2 m | 100.5 m | 99.0 m | 94.8 m | 102.4 m |
| Diluted EPS | 0.33 | 0.37 ≈ | 0.49 | 0.53 | 0.53 | 0.54 ≈ | 0.51 | 0.52 |
| Operating cash flow | -22.0 m ≈ | 127.9 m | 703.0 k | 91.7 m ≈ | 116.1 m ≈ | 96.0 m | 114.7 m | 99.7 m ≈ |
| Dividends paid | 32.2 m ≈ | 35.6 m | 35.4 m | 35.4 m ≈ | 35.3 m ≈ | 35.1 m | 36.7 m | 38.9 m ≈ |
| Share repurchases | 0 ≈ | 0 | 550.0 k | 14.5 m ≈ | 31.0 m ≈ | 19.9 m | 24.6 m | 18.3 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 59 percentile of its own 39-quarter history (min 6.9, median 10.5, max 20.2; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 195.5 m | 211.4 m | 226.3 m | 240.2 m | 227.2 m | 228.4 m | 296.0 m | 276.8 m |
| Revenue YoY | −1.7% | +8.2% | +7.1% | +6.1% | −5.4% | +0.6% | +29.6% | −6.5% |
| Net income | 208.4 m | 226.3 m | 178.0 m | 275.5 m | 287.0 m | 284.3 m | 288.7 m | 391.6 m |
| Net income YoY | +21.3% | +8.6% | −21.3% | +54.7% | +4.2% | −0.9% | +1.6% | +35.6% |
| Diluted EPS | 1.18 | 1.35 | 1.08 | 1.62 | 1.67 | 1.64 | 1.57 | 2.08 |
| Diluted EPS YoY | +20.4% | +14.4% | −20.0% | +50.0% | +3.1% | −1.8% | −4.3% | +32.5% |
| net % | 106.6% | 107.1% | 78.7% | 114.7% | 126.3% | 124.5% | 97.5% | 141.5% |
| Free cash flow | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 1.1 bn USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 3.5 bn USD
- Total assets
- 32.1 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 11.7%
- ROA
- 1.2%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 629.2 m | 663.7 m | 781.6 m | 854.3 m | 960.3 m | 1.0 bn | SEC (XBRL)· 27 Feb 2026verified |
| Net fee income | 229.4 m | 273.7 m | 227.1 m | 227.7 m | 275.7 m | 276.8 m | SEC (XBRL)· 27 Feb 2026verified |
| Non-interest expense | 579.4 m | 617.8 m | 633.7 m | 679.2 m | 819.8 m | 791.8 m | SEC (XBRL)· 27 Feb 2026verified |
| Pre-tax income | 202.2 m | 334.2 m | 347.0 m | 348.7 m | 344.6 m | 485.6 m | SEC (XBRL)· 27 Feb 2026verified |
| Net income | 178.0 m | 275.5 m | 287.0 m | 284.3 m | 288.7 m | 391.6 m | SEC (XBRL)· 27 Feb 2026verified |
| Diluted EPS | 1.08 | 1.62 | 1.67 | 1.64 | 1.57 | 2.08 | SEC (XBRL)· 27 Feb 2026verified |
| Dividend per share | 0.56 | 0.64 | 0.66 | 0.64 | 0.69 | 0.73 | SEC (XBRL)· 27 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 1.8 bn | 1.6 bn | 681.9 m | 549.7 m | 1.1 bn | 1.1 bn | SEC (XBRL)· 27 Feb 2026verified |
| Loans | 18.6 bn | 18.1 bn | 20.0 bn | 21.1 bn | 23.7 bn | 23.8 bn | SEC (XBRL)· 27 Feb 2026verified |
| Total assets | 25.9 bn | 25.8 bn | 26.9 bn | 27.6 bn | 32.1 bn | 32.1 bn | SEC (XBRL)· 27 Feb 2026verified |
| Deposits | 20.8 bn | 21.6 bn | 20.6 bn | 21.5 bn | 26.1 bn | 26.6 bn | SEC (XBRL)· 27 Feb 2026verified |
| Short-term debt | 630.1 m | 416.8 m | — | — | — | — | SEC (XBRL)· 28 Feb 2022verified |
| Long-term debt | 1.3 bn | 621.3 m | — | — | — | — | SEC (XBRL)· 09 May 2022verified |
| Total liabilities | 23.3 bn | 23.1 bn | 24.4 bn | 24.8 bn | 28.9 bn | 28.6 bn | SEC (XBRL)· 27 Feb 2026verified |
| Equity | 2.6 bn † | 2.7 bn † | 2.6 bn † | 2.8 bn † | 3.2 bn † | 3.5 bn † | SEC (XBRL)· 27 Feb 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 91.0 m | 112.0 m | 116.0 m | 115.7 m | 131.7 m | 141.2 m | SEC (XBRL)· 27 Feb 2026verified |
| Share repurchases | 39.7 m | 43.9 m | 0 | 77.1 m | 30.3 m | 66.0 m | SEC (XBRL)· 27 Feb 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 51 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 4.6 bn USD
Key indicators
Coverage and freshness
Score by group
- Balance sheet24
- Valuation60
- Quality41
- Growth65
- Returns62
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 9.59 – 29.64 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income20.34 – 21.26 (Mid 20.79)
- Justified P/B22.04 – 29.64 (Mid 25.28)
- Dividend discount (DDM)9.59 – 12.90 (Mid 11.00)
- Peers: P/E23.81 – 26.72 (Mid 24.77)28 companies used · median multiple 11.8x · quartiles 11.3x – 12.7xBAC, CAC, CASH, CBU, CFBK, CFR, COF, FHN, FUNC, HAFC, HBAN, JPM, KEY, LCNB, MRBK, NBTB, NKSH, ONB, PNC, RF, SFST, SHBI, TBBK, USB, WAFD, WFC, WSFS, ZION
- Peers: P/B20.60 – 28.53 (Mid 24.82)33 companies used · median multiple 1.2x · quartiles 1.0x – 1.4xBAC, BANC, C, CAC, CARE, CASH, CBU, CFBK, COF, DCBG, FHN, FUNC, HAFC, HBAN, KEY, LCNB, MRBK, NBHC, NBTB, NKSH, ONB, PNC, PRK, RF, SFST, SHBI, SNUS-PH, UBS, USB, WAFD, WFC, WSFS, ZION
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 51/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 11.1% | 41 (vs peers) | 19% |
| ROA · Quality | 1.2% | 57 (on a fixed band) | 7% |
| Cost-to-income · Quality | 61.6% | 14 (on a fixed band) | 12% |
| Net interest margin · Quality | 3.2% | 69 (on a fixed band) | 7% |
| EPS CAGR 3Y · Growth | 7.6% | 63 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | 6.8% | 68 (on a fixed band) | 7% |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | 90.4% | 24 (on a fixed band) | 5% |
| P/B · Valuation | 1.2x | 62 (vs peers) | 12% |
| P/E (TTM) · Valuation | 11.6x | 58 (vs peers) | 12% |
| Dividend yield · Returns | 3.1% | 62 (vs peers) | 10% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial24/100 · 1/3 factors with a value
- Growth65/100 · 2/2 factors with a value
- Quality41/100 · 4/4 factors with a value
- Returns62/100 · 1/1 factors with a value
- Valuation60/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
FULTON FINANCIAL CORP (FULT). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: net interest income 1.0 bn USD in 2025; YoY growth -6.5%; net margin 137.0%; ROE 11.1%.
The estimated value range is 20.60–26.72 USD per share (median of 5 methods, agreement: high); assumptions are illustrative. Against the central value of 24.77 USD, the price of 24.31 USD leaves a potential of 1.9% (value / price − 1) and a margin of safety of 1.8% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 51/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
No signal among the computed factors. That is not an absence of risk: factors without data were not assessed, and business risks (margins, inventory, demand) are in the source-based analysis.
What contradicts it
- Cost-to-income: 61.6%
- Loan-to-deposit: 90.4%
Not assessed (insufficient data or a ratio without meaning): NPL ratio, Cost of risk.
Versus the vertical median
National Commercial Banks (SIC 6021) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| JPMJpmorgan Chase & Co | 897.5 bn | 14.1 | 18.0% | 36.2% | +2.8% | +8% / +117% |
| BACBofA Finance LLC | 342.7 bn | 11.7 | 10.8% | 26.8% | +6.8% | −7% / +63% |
| WFCWells Fargo & Company | 256.7 bn | 11.9 | 12.9% | — | −1.6% | −0% / +92% |
| CCitigroup Inc | 214.7 bn | 17.6 | 6.8% | 16.8% | +5.6% | +18% / +166% |
| UBSUBS Group AG | 169.3 bn | 21.5 | 8.9% | — | +7.0% | +31% / +79% |
| COFCapital One Financial Corp | 125.5 bn | 12.2 | 9.7% | 17.2% | +36.6% | −5% / +87% |
| USBUs Bancorp \de\ | 93.3 bn | 11.8 | 12.7% | 27.5% | +4.4% | +22% / +57% |
| PNCPNC Financial Services Group, Inc. | 91.0 bn | 11.9 | 13.1% | 31.1% | +7.2% | +20% / +71% |
| HBANHuntington Bancshares Incorporated | 32.0 bn | 12.8 | 9.1% | 133.3% | +6.4% | −3% / +41% |
| RFRegions Financial Corporation | 24.4 bn | 11.5 | 11.9% | — | +23.8% | +12% / +71% |
| KEYKeyCorp | 22.4 bn | 11.5 | 11.2% | 26.6% | +62.7% | +16% / +71% |
| FHNFirst Horizon Corp | 11.2 bn | 11.3 | 11.6% | 29.9% | +7.2% | +6% / +86% |
| SNUS-PHSantander Holdings USA, Inc. | 11.0 bn | 6.2 | 10.8% | — | unavailable | unavailable / unavailable |
| CFRCullen/Frost Bankers, Inc. | 9.9 bn | 14.8 | 16.3% | 29.5% | +8.3% | +29% / +62% |
| ONBOld National Bancorp | 9.8 bn | 10.5 | 11.5% | — | +6.1% | +19% / +74% |
| ZIONZions Bancorporation, National Association | 9.7 bn | 8.5 | 16.4% | 168.7% | +3.6% | +25% / +87% |
| FULTFulton Financial Corp | 4.6 bn | 11.6 | 11.1% | 137.0% | −6.5% | +40% / +72% |
| WSFSWsfs Financial Corporation | 4.1 bn | 12.8 | 12.4% | — | +50.2% | +45% / +110% |
| CBUCommunity Financial System, Inc. | 3.5 bn | 15.2 | 11.5% | 26.6% | +9.6% | +16% / +48% |
| PRKPark National Corporation | 3.3 bn | 16.4 | 11.0% | 25.8% | +2.9% | +19% / +65% |
| BANCBanc Of California, Inc. | 2.9 bn | — | -0.7% | -1.4% | −3.8% | +1% / +61% |
| NBTBNbt Bancorp Inc | 2.8 bn | 13.3 | 11.4% | 117.1% | +10.4% | +30% / +52% |
| WAFDWaFd, Inc. | 2.2 bn | 9.4 | 8.5% | 810.8% | +7.8% | −5% / +13% |
| CHCOCity Holding Company | 2.0 bn | 15.8 | 16.8% | 177.4% | +3.2% | +19% / +50% |
| TBBKThe Bancorp, Inc. | 1.9 bn | 8.9 | 29.6% | 164.3% | +20.8% | −26% / +21% |
1- and 3-year price returns: for FULT from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 14.52 Total return -38% · Per year -38% | 25.64 Total return 9% · Per year 9% | 38.58 Total return 63% · Per year 63% |
| 3 years | 14.75 Total return -32% · Per year -12% | 29.25 Total return 31% · Per year 9% | 48.23 Total return 112% · Per year 28% |
| 5 years | 14.99 Total return -26% · Per year -6% | 33.36 Total return 56% · Per year 9% | 60.29 Total return 173% · Per year 22% |
- Exit P/E± 7.31
- Net margin± 5.12
- Annual revenue growth± 4.11
- Annual dilution± 0.43
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
Fulton Financial Corporation is a bank holding company based in Lancaster, Pennsylvania, offering community-oriented consumer, commercial and wealth management banking in five eastern US states. In 2026 the Blue Foundry acquisition expanded its balance sheet significantly, and its net interest margin stayed solid at [3.58%] in the third quarter, while profitability still depends on benchmark interest rates.3
SWOT
Strengths
- A low-cost deposit base and solid relationships with local customers support stable funding for the bank.
- The community banking model with personalized service provides an advantage in customer retention.
- Diversification across consumer, commercial and wealth management banking reduces reliance on a single segment.
Weaknesses
- Concentration in commercial and commercial real estate lending exposes the bank to regional economic cycles.
- Dependence on net interest income makes results sensitive to movements in benchmark rates.
- Integration costs from recent acquisitions have pressured operating expenses in some quarters.
Opportunities
- Integrating Blue Foundry could bring cost synergies and a broader customer base.
- Growth in commercial deposits could reduce reliance on more expensive funding sources.
- Expanding digital services could attract younger customers and lower the cost of service.
Threats
- A regional recession could increase credit losses in the commercial segment.
- Competition from FinTechs and non-bank lenders could erode margins.
- Unexpected changes in interest rates could affect the value of securities in the portfolio.
Risks
- Commercial credit riskhigh
Commercial and commercial real estate loans are sensitive to economic conditions and collateral values, and deterioration in a few large loans could affect results.1
- Interest rate sensitivityhigh
Unexpected changes in benchmark rates could reduce net interest income and margin, especially if deposit costs rise faster than asset yields.1
- Integration riskmedium
Integrating Blue Foundry and the Republic assets involves operational and systems risks that could delay the expected synergies.2
- Dependence on municipal depositsmedium
Municipal deposits are volatile and could be withdrawn if competing rates rise, creating liquidity pressure.1
- Cybersecurity riskmedium
Cyberattacks could affect customer data and service continuity, and the bank acknowledges that no cybersecurity program is completely infallible.1
Investment thesis
What would need to be true (bull case)
- The net interest margin rose in 2025 and remained solid in 2026, indicating a good capacity to sustain interest income.13
- The Blue Foundry acquisition added assets and deposits, and quarterly results show growth in commercial deposits.23
- Portfolio quality improved, with non-performing assets and credit losses lower than in earlier quarters.3
What would break the thesis
- Heavy exposure to commercial and commercial real estate loans could generate losses if the regional economy slows.1
- Integration and acquisition costs rose in 2026, which could limit profitability if synergies are delayed.23
- Dependence on net interest income and municipal deposits makes results vulnerable to changes in monetary policy.1
What to watch
- Evolution of the net interest margin after the Blue Foundry integrationQ4 2026
- Level of credit losses in the commercial loan segment2027
- Final results of the merger and realized cost synergiesnext 10-K
- Trend in municipal deposits and the cost of fundingQ1 2027
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
Fulton Financial Corporation, incorporated in Pennsylvania in 1982, owns 100% of Fulton Bank and five non-bank entities, including Fulton Financial Realty Company and Fulton Insurance Services Group.1 The company provides deposit products, mortgages, commercial loans and wealth management services through 204 financial centers, with about 3,400 employees at the end of 2025.1 The Blue Foundry acquisition, completed in April 2026, added approximately $2.1 billion in assets and strengthened its presence in the region.2
The business model relies on net interest income, which accounted for about 79% of revenues in 2025, with the remainder coming from service fees, wealth management and gains on asset sales.1 Low-cost, largely non-maturing deposits are the main funding source, and state and municipal deposits form a significant part of them.1 Lending is concentrated on small and mid-sized businesses, so the loan book is sensitive to local economic conditions.1
Recent quarterly results show deposit and net loan growth, low non-performing assets and low credit losses, alongside integration costs from acquisitions.3 If the Blue Foundry and Republic integrations proceed as planned, the company could sustain a high return on tangible equity, although the outcome also depends on the direction of interest rates.2
Segments
Consumer banking
Includes checking and savings accounts, certificates of deposit, residential mortgages, home equity lines and auto, student and personal loans, delivered through financial centers and digital channels.1
Commercial banking
Serves small and mid-sized businesses with annual revenue generally below 500 million dollars, offering commercial real estate, commercial and industrial and construction loans, equipment leasing and cash management.1
Wealth management
Provides investment management, trust, brokerage and advisory services through divisions of Fulton Bank, an activity whose fee income depends on the performance of capital markets.1
Market context
Fulton operates in a regional market across Pennsylvania, Delaware, Maryland, New Jersey and Virginia, where the economy is diversified across manufacturing, healthcare and agriculture.1 The market is fragmented, with competition from local banks, large regional banks, credit unions and non-bank lenders, so the company's performance depends largely on regional economic dynamics.1
The US deposit and lending market responds to Federal Reserve policy rates, which were reduced gradually from September 2024, with uncertainty about the size of any future reductions.1 Concentration in commercial and commercial real estate lending can amplify sensitivity to a weaker economic cycle.1
Trends
- Regional bank consolidationmixed
Acquisitions of small and mid-sized banks such as Blue Foundry can add scale and synergies, but integration brings costs and operational risks during the transition period.2
- Interest rate changesmixed
Cuts to the Fed Funds Rate could reduce interest income if assets reprice faster than deposits, though they could also support mortgage demand.1
- Non-bank competitive pressureheadwind
FinTechs, private equity funds and marketplace lenders compete for customers in traditional bank segments without facing the same regulatory requirements.1
- Stable credit qualitytailwind
Lower non-performing assets and credit losses could support profitability if the trend holds under normal economic conditions.3
Competitive position
Competition comes from local, regional and national banks, credit unions and non-bank entities such as FinTechs, which are not subject to the same supervision.1 Fulton differentiates itself through its community banking model and personalized relationships, but digital competition could reduce market share if customers shift to online channels.1
- Regional banks in Pennsylvania and New Jersey
Compete directly for commercial loans and deposits in the same geographic area, often with different cost structures.
- National banks with eastern US presence
Have greater resources and can offer broader products, making them strong competitors in the corporate segment.
- Credit unions
Offer competitive deposit rates and mortgage pricing, and are exempt from some banking requirements.
- FinTech companies and marketplace lenders
Operate without physical branches and are not subject to the same regulation, competing on speed and pricing.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report21 Oct 2026Results of operations · Financial statements and exhibits
- Quarterly report07 Aug 2026
- Current report22 Jul 2026Results of operations · Financial statements and exhibits
- Current report21 Jul 2026Departure or appointment of officers
- Current report28 May 2026Departure or appointment of officers · Shareholder vote
- Quarterly report08 May 2026
- Current report05 May 2026Other events · Financial statements and exhibits
- Current report27 Apr 2026Regulation FD disclosure · Financial statements and exhibits
- Current report22 Apr 2026Results of operations · Financial statements and exhibits
- Proxy statement01 Apr 2026
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Fulton Financial Corporation · 27 Feb 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Fulton Financial Corporation · 07 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Fulton Financial Corporation · 21 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.