FULT
Financial ServicesFulton Financial Corporation · Banks - Regional · $5B
What is Fulton Financial Corporation?
Fulton Financial Corporation is a Lancaster, Pennsylvania-based financial holding company serving consumers and businesses across the Mid-Atlantic region. It operates a broad network of branches spanning Pennsylvania, Maryland, Delaware, New Jersey, and Virginia.
Fulton Financial earns revenue primarily through traditional banking activities — accepting deposits and extending loans across consumer and commercial segments. Its commercial lending arm covers real estate, industrial, and construction loans, while consumer offerings include home equity products, auto loans, and personal credit lines. The company also generates fee income through wealth management services such as investment advisory, trust, brokerage, and insurance, rounding out a community-bank-style model with diversified revenue streams.
Incorporated in 1882 and formally organized as a holding company in 1985, Fulton Financial is headquartered in Lancaster, Pennsylvania.
- Consumer and commercial deposit accounts, including CDs and IRAs
- Home equity loans, auto loans, and personal credit lines
- Commercial real estate, industrial, and construction lending
- Wealth management, trust, and investment advisory services
- Mobile, online, telephone, and ATM banking channels
Is FULT a Good Stock to Buy?
UQS Score rates FULT as Below Average overall, reflecting meaningful headwinds across several key pillars.
The Quality pillar stands out as the relative bright spot, suggesting Fulton maintains reasonable operational discipline for a regional bank. Valuation is rated Attractive, meaning the stock may be priced at a discount relative to its fundamentals — a consideration for investors comfortable with the associated trade-offs.
The Moat, Growth, and Risk pillars all register as Weak, pointing to limited competitive differentiation, constrained expansion prospects, and elevated risk factors that weigh on the overall profile.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does FULT pay dividends?
Yes — Fulton Financial Corporation pays a dividend.
Fulton Financial pays a regular dividend, consistent with the income-oriented tradition of established regional banks. The dividend reflects the company's relatively mature business model and its focus on returning capital to shareholders. Investors seeking income exposure from community banking may find the dividend cadence appealing, though the overall risk profile warrants consideration alongside any yield assessment.
When does FULT report earnings?
Fulton Financial reports earnings on a quarterly cadence, typical for US-listed financial holding companies.
The company's recent results reflect the pressures common to mid-cap regional banks — including interest rate sensitivity and credit quality dynamics. Growth trends have been muted relative to larger peers, consistent with the Weak Growth pillar rating in the UQS framework.
For the most recent quarter's results and guidance, visit Fulton Financial's investor relations page directly.
FULT Price History
+88.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Fulton Financial Corporation?
Based on Fulton Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
FULT Long-term Outlook
The UQS Growth and Risk pillars both register as Weak for FULT, suggesting the near-term fundamental trajectory faces meaningful constraints. Regional banks in the Mid-Atlantic face ongoing pressure from interest rate cycles, deposit competition, and credit normalization. The Attractive Valuation label indicates the market may already be pricing in these challenges, but a re-rating would likely require demonstrated improvement in growth or risk metrics.
Growth drivers
- Expansion of fee-based wealth management and advisory revenue
- Deepening commercial lending relationships across the Mid-Atlantic footprint
- Digital banking adoption reducing operating costs over time
Key risks
- Interest rate sensitivity compressing net interest margins
- Limited competitive moat in a crowded regional banking market
- Credit quality deterioration in commercial real estate portfolios
FULT vs Peers
Fulton Financial competes with a range of regional and community-focused banks across its Mid-Atlantic footprint.
TFS Financial concentrates heavily on retail mortgage lending and savings products, giving it a narrower but more specialized focus than Fulton's diversified banking model.
ServisFirst operates a correspondent banking model with a strong commercial emphasis, generally regarded as having higher growth characteristics than traditional community banks like Fulton.
Associated Banc-Corp serves the Midwest with a similarly diversified consumer and commercial banking platform, making it a close structural peer to Fulton in terms of business mix.
Frequently Asked Questions
What does Fulton Financial Corporation do?
Fulton Financial is a Mid-Atlantic regional bank holding company offering consumer and commercial banking, mortgage lending, wealth management, and insurance services. It operates branches across Pennsylvania, Maryland, Delaware, New Jersey, and Virginia, serving both individual and business customers through physical and digital channels.
Does FULT pay dividends?
Yes, Fulton Financial pays a regular dividend. This is consistent with the company's mature, community-bank profile and its practice of returning capital to shareholders. Investors should review the current dividend details on Fulton's investor relations page, as amounts and timing can change.
When does FULT report earnings?
Fulton Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. Specific dates are announced in advance on the company's investor relations page — check there for the most current schedule.
Is FULT a good stock to buy?
The UQS Score rates FULT as Below Average overall. While the Quality pillar is Good and Valuation is Attractive, the Moat, Growth, and Risk pillars are all Weak. That combination suggests caution is warranted. The full pillar breakdown is available to UQS Pro members.
Is FULT overvalued?
The UQS Valuation pillar rates FULT as Attractive, suggesting the stock may be trading at a discount relative to its fundamentals. However, an attractive price alone does not offset weak growth or elevated risk — context across all five pillars matters for a complete picture.
How does FULT compare to its competitors?
Compared to peers like ServisFirst Bancshares and TFS Financial, Fulton Financial offers a broader, more diversified banking model but scores lower on growth and moat dimensions. Regional banking is competitive, and Fulton's Mid-Atlantic footprint faces pressure from both larger national banks and nimble community lenders.
What is FULT's market cap bracket?
Fulton Financial is classified as a mid-cap company. This places it above smaller community banks in scale but well below the largest regional and national banking institutions, which typically carry greater resources for technology investment and geographic expansion.
Who founded Fulton Financial Corporation?
Fulton Financial traces its roots to 1882, making it one of the older banking institutions in the Mid-Atlantic region. Detailed founding history, including key individuals involved in its establishment, is publicly available through the company's official history and investor materials.
Is FULT a long-term quality investment?
As a long-term quality indicator, the UQS Score rates FULT as Below Average. The Weak Moat and Weak Growth pillars suggest limited structural advantages for sustained outperformance over time. The Attractive Valuation may offer a margin of safety, but long-term quality typically requires stronger moat and growth characteristics.
What is the main competitive advantage of Fulton Financial?
Fulton Financial's primary advantage lies in its long-established community banking relationships and diversified revenue mix spanning lending, deposits, and wealth management. However, the UQS Moat pillar rates this as Weak, indicating these advantages may not be sufficiently durable relative to broader sector competition.
What sector does FULT belong to?
Fulton Financial operates in the Financial Services sector, specifically within regional and community banking. This sector is sensitive to interest rate cycles, credit conditions, and regulatory requirements — all of which influence the company's earnings profile and risk rating.
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Pro Analysis
FULT — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 16, 2026 | 42.1 | 49.1 | 23.0 | 34.1 | 33.2 | 82.2 | -6.8 |
| Jul 31, 2026 | 48.9 | 75.7 | 23.0 | 34.1 | 33.2 | 83.1 | -0.5 |
| Jul 26, 2026 | 49.4 | 75.7 | 23.0 | 35.4 | 33.2 | 84.7 | +0.1 |
| Jul 25, 2026 | 49.3 | 75.7 | 23.0 | 35.1 | 33.2 | 84.4 | -0.1 |
| Jul 24, 2026 | 49.4 | 75.7 | 23.0 | 35.1 | 33.2 | 84.5 | -0.3 |
| Jul 23, 2026 | 49.7 | 72.5 | 23.0 | 35.1 | 36.4 | 89.3 | -0.4 |
| Jul 22, 2026 | 50.1 | 76.5 | 23.0 | 35.1 | 35.1 | 86.1 | 0.0 |
| Jul 21, 2026 | 50.1 | 76.5 | 23.0 | 35.1 | 35.1 | 86.5 | +0.1 |
| Jul 18, 2026 | 50.0 | 76.5 | 23.0 | 35.1 | 35.1 | 85.8 | +0.1 |
| Jul 17, 2026 | 49.9 | 76.5 | 23.0 | 35.1 | 35.1 | 85.0 | -0.2 |
FULT — Pillar Breakdown
Quality
— 49.1/100 (25%)Fulton Financial Corporation has average quality metrics, with room for improvement in margins or capital efficiency.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 17.7/100 (20%)Fulton Financial Corporation faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 33.2/100 (15%)Fulton Financial Corporation presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 78.3/100 (15%)Fulton Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
Enterprise value multiple relative to sector median.
Moat
— 23/100 (25%)Fulton Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FULT.
Score Composition
Financial Data
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How is the FULT UQS Score Calculated?
The UQS (Unified Quality Score) for Fulton Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Fulton Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Fulton Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.