Fulton Financial had a strong quarter with record operating earnings and revenue growth driven by increases in net interest and fee income. Loan growth was robust, and efficiency improved. Despite a decline in deposits and an uptick in nonaccrual loans, the company's overall performance and strategic initiatives indicate a positive outlook.

Company Guidance -

Q3 2025

In the Fulton Financial Second Quarter 2025 Results Conference Call, Curtis Myers, Chairman and CEO, and Richard Kraemer, CFO, provided detailed financial guidance and updates. Operating earnings were reported at $106 million or 55¢ per share, marking a $0.03 increase from the previous quarter, with a record efficiency ratio of 57.1%. The operating return on average assets was 1.3%, and the operating return on average tangible common equity reached 16.26%. Total loans grew by $150 million, a 2.5% increase, bolstered by strong originations despite a strategic runoff in the indirect auto portfolio. Deposits, however, declined by $191 million, with noninterest-bearing balances representing 20% of total deposits. The net interest margin increased to 3.47%, while the cost of total deposits decreased to 1.98%. Noninterest income rose to $69.1 million, with wealth management achieving an all-time high in quarterly revenue. Kraemer adjusted the 2025 guidance, anticipating net interest income between $1.005 billion to $1.025 billion, and revised the provision expense to $50 million-$70 million. Operating expenses are projected to range from $750 million to $765 million, with an effective tax rate adjustment to 18.5%-19.5%.

Record Operating Earnings

Fulton Financial reported record operating earnings of $106 million or 55¢ per share, marking a $0.03 increase from the previous quarter.

Strong Revenue Growth

Total revenue increased due to growth in net interest income and fee income, with a net interest margin increase of four basis points to 3.47%.

Loan Growth Achievement

Total loans grew by $150 million or 2.5% during the quarter, primarily in the residential mortgage portfolio, home equity portfolio, and certain commercial categories.

Efficiency and Profitability

The quarterly efficiency ratio was 57.1%, with an operating return on average assets at 1.3% and operating return on average tangible common equity at 16.26%.

Share Repurchase and Tangible Book Value Growth

Fulton Financial repurchased shares and grew tangible book value per share by 9.5% on a linked quarter annualized basis.

Fee Income Growth

Strong linked quarter increase in noninterest income, with all noninterest income categories growing, including all-time highs in wealth management and commercial banking fees.

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 (FULT) report earnings?

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

What is Fulton Financial (FULT) earnings time?

Fulton Financial (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.

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