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Fulton Financial Corp (FULT)
NASDAQ:FULT
Earnings Data
Report Date
Apr 21, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.47Last Year’s EPS
0.49Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong operating performance in 2025 with record operating EPS, improved margins, diversified fee growth, deposit momentum, improved capital and credit metrics, and clear guidance for 2026. Challenges were disclosed including $800M of strategic derisking actions that weighed on loan growth, some quarter-specific expense volatility, declines in certain deposit categories, modest declines in allowance coverage and localized yield pressure. Management framed most headwinds as deliberate, temporary or manageable and provided guidance and hiring plans to support mid-single-digit loan growth in 2026.Company Guidance
Record Operating Earnings Per Share
Operating earnings per diluted share for FY2025 were $2.16, a new company record, driven by improved margins, disciplined expense management and diversified revenue growth.
Deposit Growth and Deposit Product Momentum
Customer deposits grew $449 million year-over-year; linked-quarter deposits grew $257 million (3.9%). Consumer demand deposit account openings increased 25% year-over-year and business banking efforts raised over $133 million in lower-cost operating deposits.
Net Interest Margin Expansion
Net interest margin increased 9 basis points year-over-year to 3.51% and finished Q4 at 3.59%, with linked-quarter NIM up 2 basis points despite 75 basis points of Fed rate cuts.
Noninterest Income Growth and Diversification
Adjusted noninterest income (ex-bargain purchase and securities items) was $277 million, up almost 7% year-over-year and represented more than 20% of total revenue. Commercial fees rose 8% with cash management up 17%.
Wealth Management Contribution
Fulton Financial Advisors AUM/A surpassed $17 billion in 2025; referrals from financial centers to advisers increased 17% (approximately $50 million year-over-year), supporting fee income growth.
Controlled Operating Expense Trajectory
Operating expenses grew a modest 1.9% in 2025; when normalizing for a full year of Republic First expenses in 2024, operating expenses would have declined 2.7% year-over-year, contributing to positive operating leverage.
Improved Profitability and Capital Metrics
Operating return on assets improved 17 basis points to 1.28%; tangible book value per share grew 15%; CET1 rose to 11.8% and tangible common equity to tangible assets increased to 8.5%. Internal capital generation was $77 million in the quarter.
Strong Credit Metrics
Nonperforming assets to total assets declined 11 basis points during the year to 0.58%; net charge-offs for FY2025 were low at 21 basis points of average loans; ACL ended the year at 1.51% of loans with ACL-to-NPL coverage of 198%.
Active Capital Management and Buybacks
Repurchased $59 million of common stock during the year and repurchased 1.1 million shares in the quarter at an average cost of $18.34. Board approved a new $150 million repurchase authorization through Jan 2027.
2026 Operating Guidance Provided
Management provided forward guidance assuming a March Fed cut and Blue Foundry acquisition: Net interest income $1.120B-$1.140B; loan loss provision $55M-$75M; noninterest income $285M-$300M; operating expense $800M-$835M; effective tax rate 18.5%-19.5%.
FULT Earnings History
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 |
|---|---|---|---|
Jan 21, 2026 | $20.51 | $21.04 | +2.58% |
Oct 21, 2025 | $17.88 | $17.63 | -1.40% |
Jul 15, 2025 | $18.84 | $18.82 | -0.11% |
Apr 15, 2025 | $15.72 | $15.66 | -0.38% |
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 Apr 21, 2026, After Close (Confirmed).
What is Fulton Financial Corp (FULT) earnings time?
Fulton Financial Corp (FULT) earnings time is at Apr 21, 2026, 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 2026 (Q1) is 0.47.