The earnings call highlighted record-breaking operating earnings, significant loan growth, and strong performance in wealth management and commercial banking. However, challenges such as a decline in deposits and an uptick in nonaccrual loans were also noted. The highlights, particularly the record earnings and revenue growth, significantly outweigh the lowlights.

Company Guidance

During the Fulton Financial Second Quarter 2025 Results Conference Call, the company provided detailed guidance on its financial performance and expectations for the remainder of the year. The company reported record operating earnings of $106 million, or 55¢ per share, marking a $0.03 increase from the previous quarter, with a quarterly efficiency ratio of 57.1%. The operating return on average assets rose to 1.3%, and the operating return on average tangible common equity increased to 16.26%. Total loans grew by $150 million or 2.5%, while deposits saw a modest decline of $191 million, or 2.9%, due to seasonal trends. Net interest income increased by $3.7 million linked quarter, with a net interest margin rising to 3.47%. Noninterest income reached $69.1 million, reflecting a 7% increase excluding a first-quarter equity method investment adjustment. The company updated its 2025 guidance, projecting net interest income between $1.005 billion and $1.025 billion, provision expenses between $50 million and $70 million, operating expenses between $750 million and $765 million, and an effective tax rate between 18.5% and 19.5%. The company also highlighted strong performance in wealth management and commercial banking fees, noting their all-time high quarterly revenues. Despite economic uncertainties, Fulton Financial expects continued loan and deposit growth, supported by its disciplined approach to balance sheet management and a strong liquidity position.

Record-Breaking Operating Earnings

Operating earnings reached $106 million or 55¢ per share, marking a record for the company and a $0.03 increase from the previous quarter.

Significant Loan Growth

Total loans grew by $150 million or 2.5%, driven by solid originations in residential mortgage and home equity portfolios.

All-Time Highs in Wealth and Commercial Banking

Wealth management and commercial banking fees both hit all-time highs in quarterly revenue.

Strong Noninterest Income Growth

Noninterest income increased by 7% linked quarter, with all categories experiencing growth.

Positive Operating Leverage and Efficiency Ratio

The quarterly efficiency ratio improved to 57.1%, and operating return on average assets increased to 1.3%.

Fulton Financial (FULT) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FULT Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 21, 2025	2025 (Q3)	0.48 / -	0.33	―	―	―
Jul 15, 2025	2025 (Q2)	0.42 / 0.53	0.52	1.92% (+0.01)
Apr 15, 2025	2025 (Q1)	0.41 / 0.49	0.36	36.11% (+0.13)
Jan 21, 2025	2024 (Q4)	0.38 / 0.36	0.37	-2.70% (-0.01)
Oct 15, 2024	2024 (Q3)	0.43 / 0.33	0.42	-21.43% (-0.09)
Jul 17, 2024	2024 (Q2)	0.13 / 0.52	0.46	13.04% (+0.06)
Apr 16, 2024	2024 (Q1)	0.39 / 0.36	0.39	-7.69% (-0.03)
Jan 16, 2024	2023 (Q4)	0.40 / 0.37	0.47	-21.28% (-0.10)
Oct 17, 2023	2023 (Q3)	0.41 / 0.42	0.4	5.00% (+0.02)
Jul 18, 2023	2023 (Q2)	0.42 / 0.46	0.42	9.52% (+0.04)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FULT Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 15, 2025	$19.02	$19.00	-0.11%
Apr 15, 2025	$15.87	$15.81	-0.38%
Jan 21, 2025	$20.69	$20.22	-2.27%
Oct 15, 2024	$17.73	$18.12	+2.20%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Fulton Financial Corp (FULT) report earnings?

Fulton Financial Corp (FULT) is schdueled to report earning on Oct 21, 2025, After Close (Confirmed).

What is Fulton Financial Corp (FULT) earnings time?

Fulton Financial Corp (FULT) earnings time is at Oct 21, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FULT EPS forecast?

FULT EPS forecast for the fiscal quarter 2025 (Q3) is 0.48.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing