Fulton Financial Corporation (FULTP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Fulton Financial Corporation (FULTP) trades at $18.15 with AI Score 79/100 (Grade A). Fulton Financial Corporation is a financial holding company providing consumer and commercial banking products and services. Market cap: $4.58B, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for FULTP: FULTP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FULTP against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
FULTP: 3/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Fulton Financial Corporation (FULTP) Financial Services Profile
Fulton Financial Corporation, a regional bank holding company with a $4.58B market cap, provides diverse financial services, including consumer and commercial banking, wealth management, and insurance, across the Mid-Atlantic region, leveraging a network of branches and digital platforms while maintaining a P/E ratio of 9.17.
What Is the Investment Thesis for FULTP?
Fulton Financial Corporation presents a stable investment opportunity within the regional banking sector. With a market capitalization of $4.58B and a P/E ratio of 9.17, the company demonstrates financial stability. A dividend yield of 3.72% provides an ongoing return for investors. Growth catalysts include expansion of digital banking services and strategic acquisitions within its operating region. The company's diversified revenue streams, including commercial and consumer lending, wealth management, and insurance services, mitigate risk. Potential risks include interest rate fluctuations and increased competition from larger national banks and fintech companies. Maintaining a profit margin of 20.7% and a gross margin of 67.4% indicates efficient operations and profitability.
Based on FMP financials and quantitative analysis
FULTP Key Highlights
- Market Cap of $4.58B indicates a strong presence in the regional banking sector.
- P/E ratio of 9.17 suggests the company is potentially undervalued compared to its earnings.
- Dividend Yield of 3.72% provides a steady income stream for investors.
- Profit Margin of 20.7% demonstrates efficient operations and profitability.
- Gross Margin of 67.4% reflects strong cost management and revenue generation.
Who Are FULTP's Competitors?
FULTP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ASB Associated Banc-Corp | $30.26 | -1.43% | $5.02B | 98 |
| BANF BancFirst Corporation | $114.92 | -0.38% | $3.86B | 72 |
| BBAR Banco BBVA Argentina S.A. provides banking products and services to individuals and companies in Argentina. The company | $18.86 | -9.63% | $3.85B | 57 |
| FIBK First Interstate BancSystem, Inc. | $38.10 | -0.76% | $3.70B | 78 |
| MTB M&T Bank Corporation | $245.97 | -1.90% | $36.0B | 92 |
| FBP First BanCorp. | $28.86 | +4.41% | $4.46B | 98 |
| TCBI Texas Capital Bancshares, Inc. | $97.86 | -4.91% | $4.27B | 96 |
| CATY Cathay General Bancorp | $62.53 | +1.91% | $4.19B | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FULTP's Key Strengths?
- Diversified revenue streams from banking, wealth management, and insurance.
- Established regional presence in multiple states.
- Strong local brand recognition.
- Experienced management team.
What Are FULTP's Weaknesses?
- Limited geographic reach compared to national banks.
- Dependence on regional economic conditions.
- Vulnerability to interest rate fluctuations.
- Exposure to regulatory compliance costs.
What Could Drive FULTP Stock Higher?
- Launch of new digital banking platform in Q2 2026, expected to attract younger customers and increase transaction volume.
- Expansion of wealth management services targeting high-net-worth individuals, driving fee income growth.
- Strategic acquisitions of smaller regional banks to expand geographic footprint and market share.
What Are the Key Risks for FULTP?
- Financial-distress signal — its Altman Z-Score of 0.38 sits in the distress zone (elevated bankruptcy risk).
- Rising interest rates could negatively impact loan demand and net interest margin.
- Increased competition from larger national banks and fintech companies could erode market share.
- Economic downturn in the Mid-Atlantic region could lead to increased loan defaults.
- Regulatory compliance costs could reduce profitability.
What Are the Growth Opportunities for FULTP?
- Expansion of Digital Banking Services: Fulton Financial can capitalize on the growing trend of digital banking by enhancing its mobile and online platforms. Investing in user-friendly interfaces, secure transaction capabilities, and personalized customer experiences can attract a younger demographic and increase customer retention. The digital banking market is projected to reach $9 trillion by 2028, offering a substantial growth opportunity for Fulton Financial to expand its market share and reduce operational costs.
- Strategic Acquisitions: Fulton Financial can pursue strategic acquisitions of smaller regional banks or financial service providers to expand its geographic footprint and service offerings. Identifying targets in adjacent markets or complementary business lines can create synergies and increase revenue. The mergers and acquisitions market in the banking sector is expected to remain active, providing opportunities for Fulton Financial to consolidate its position and enhance its competitive advantage. Timeline: Ongoing.
- Wealth Management Services: The increasing demand for wealth management services presents a significant growth opportunity for Fulton Financial. By expanding its investment management, trust, and advisory services, the company can attract high-net-worth individuals and families seeking personalized financial planning. The wealth management market is projected to grow at a rate of 7% annually, driven by the increasing affluence of the population and the growing complexity of financial markets. Timeline: Ongoing.
- Commercial Lending Expansion: Fulton Financial can focus on expanding its commercial lending portfolio by targeting small and medium-sized businesses (SMBs) in its operating region. Offering tailored financing solutions, such as commercial real estate loans, equipment financing, and working capital lines of credit, can attract new customers and increase revenue. The SMB lending market is projected to grow at a rate of 5% annually, driven by the increasing demand for capital to support business growth and expansion. Timeline: Ongoing.
- Cross-Selling Opportunities: Fulton Financial can leverage its existing customer base to cross-sell additional products and services. By offering bundled packages of banking, insurance, and wealth management services, the company can increase customer loyalty and generate additional revenue. Implementing targeted marketing campaigns and providing incentives for cross-selling can maximize the effectiveness of this strategy. Timeline: Ongoing.
What Opportunities Does FULTP Have?
- Expansion of digital banking services.
- Strategic acquisitions of smaller banks.
- Growth in wealth management services.
- Increased commercial lending to SMBs.
What Threats Does FULTP Face?
- Competition from larger national banks and fintech companies.
- Economic downturn in the Mid-Atlantic region.
- Rising interest rates.
- Increased regulatory scrutiny.
What Are FULTP's Competitive Advantages?
- Established regional presence in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia.
- Long-standing customer relationships built over decades.
- Diversified revenue streams from banking, wealth management, and insurance.
- Strong local brand recognition and reputation.
What Does FULTP Do?
Fulton Financial Corporation, established in 1882 and headquartered in Lancaster, Pennsylvania, has evolved into a prominent financial holding company offering a comprehensive suite of banking and financial services. The company's core business revolves around providing consumer and commercial banking products, including checking and savings accounts, certificates of deposit, and individual retirement accounts. Fulton Financial also extends secured consumer loans such as home equity loans, auto loans, and personal lines of credit. Their mortgage offerings include construction and jumbo residential loans. On the commercial front, Fulton Financial provides commercial real estate, commercial and industrial, and construction loans, alongside equipment lease financing. They also offer letters of credit and cash management services. Beyond traditional banking, Fulton Financial provides wealth management services, encompassing investment management, trust, brokerage, insurance, and investment advisory services. The company also holds passive investments and trust preferred securities and sells life insurance products. Fulton Financial operates through a network of traditional financial center branches and leverages technology through automated teller machines, telephone banking, mobile banking, and online banking platforms. The company’s geographic footprint includes branches in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia, solidifying its presence as a key regional player in the banking sector.
What Products and Services Does FULTP Offer?
- Provides checking and savings accounts.
- Offers home equity loans and lines of credit.
- Provides automobile and personal loans.
- Offers commercial real estate and industrial loans.
- Provides wealth management services.
- Sells life insurance products.
- Offers online and mobile banking services.
How Does FULTP Make Money?
- Generates revenue from interest income on loans.
- Earns fees from wealth management and trust services.
- Collects service charges on deposit accounts.
- Sells insurance products for commission income.
What Industry Does FULTP Operate In?
Fulton Financial Corporation operates in the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is influenced by interest rate fluctuations, regulatory changes, and technological advancements. Market trends include the growing adoption of digital banking services and the increasing importance of wealth management. Fulton Financial competes with other regional banks like ASB, BANF, BBAR, FIBK, and MTB, as well as national players. The regional banking sector is expected to see moderate growth, driven by economic expansion and increasing demand for financial services.
Who Are FULTP's Key Customers?
- Individual consumers seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- High-net-worth individuals seeking wealth management.
- Families looking for insurance products.
FY2026 estForward Outlook
Wall Street analysts project Fulton Financial Corporation revenue of about $1.44B for fiscal 2026, with EPS near $2.01. The estimate reflects 6 contributing analysts.
FULTP Valuation & Market Position
With a $4.58B market cap, Fulton Financial Corporation sits in the mid-cap segment of the market. Relative to its peer group, FULTP's quantitative score of 79/100 is roughly in line with the peer average of 79/100.
ROE 11%Key Financial Metrics
Return on equity for Fulton Financial Corporation stands at 11.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. FULTP trades at a trailing price-to-earnings ratio of 11.05, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
Fulton Financial Corporation's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.38 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Fulton Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Lancaster, US. The company is led by CEO Curtis J. Myers. FULTP has traded publicly since 2020.
FULTP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Fulton's recent insider buying suggests strong confidence from those closest to the company, mirroring situations like Berkshire Hathaway where insider activity often signals positive future prospects.
- Community sentiment indicates growing optimism about Fulton's regional banking strategy, similar to how investors initially viewed smaller banks post-2008 crisis as safe havens.
- Bullish views highlight Fulton's potential to capitalize on local market opportunities, reminiscent of regional players that thrive by focusing on specific niches.
- Market perception sees Fulton benefiting from stable interest rate environments, a scenario that historically favors well-managed regional banks.
Bear Case
- Recent mixed community sentiment reveals concerns about Fulton's growth potential in a competitive landscape, similar to challenges faced by established firms disrupted by newer entrants.
- Bearish views point to potential headwinds from regulatory changes impacting regional banks, echoing the increased scrutiny during the Dodd-Frank era.
- Market perception reflects uncertainties about Fulton's ability to adapt to evolving customer preferences and digital banking trends, a challenge faced by many traditional institutions.
- Insider selling, even if minor, can raise questions about short-term performance expectations, not unlike situations where key executives trim holdings before anticipated market corrections.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FULTP Latest News
No recent news available for FULTP.
FULTP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FULTP.
Price Targets
Wall Street price target analysis for FULTP.
FULTP MoonshotScore
What does this score mean?
The MoonshotScore rates FULTP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Curtis J. Myers
CEO
Curtis J. Myers serves as the CEO of Fulton Financial Corporation, overseeing the strategic direction and operational performance of the company and its 3,400 employees. His career spans several decades in the financial services industry, with extensive experience in commercial banking, wealth management, and risk management. Prior to his role as CEO, Myers held various leadership positions within Fulton Financial, including Chief Operating Officer and Chief Financial Officer. He holds a degree in Finance from a leading university and has completed executive education programs at prestigious business schools.
Track Record: Under Curtis J. Myers' leadership, Fulton Financial has focused on enhancing its digital banking capabilities and expanding its wealth management services. He has overseen strategic acquisitions that have strengthened the company's market position in the Mid-Atlantic region. Myers has also prioritized improving operational efficiency and maintaining strong asset quality. Key milestones include achieving consistent profitability and increasing shareholder value.
What Investors Ask About Fulton Financial Corporation (FULTP) — Financial Services
What does the AI Score mean for FULTP?
FULTP holds an AI Score of 79/100 (Grade: A). This is an educational research signal, not a buy or sell recommendation. Fulton Financial Corporation is a financial holding company providing consumer and commercial banking products and services. The company operates branches across Pennsylvania, Maryland, Delaware …
What does Fulton Financial Corporation do?
Fulton Financial Corporation operates as a financial holding company, providing a range of banking and financial services to individuals, businesses, and institutions. Its core offerings include deposit accounts, loans, wealth management, and insurance products. The company generates revenue primarily through interest income on loans, fees from wealth management services, and service charges on deposit accounts.
What do analysts say about FULTP stock?
Analyst consensus on FULTP stock is generally neutral, reflecting the company's stable performance and consistent dividend yield. Key valuation metrics, such as the P/E ratio of 9.17, suggest the company may be undervalued compared to its earnings. Growth considerations include the expansion of digital banking services and strategic acquisitions.
What are the main risks for FULTP?
The main risks for Fulton Financial Corporation include interest rate risk, credit risk, and regulatory risk. Rising interest rates could negatively impact loan demand and net interest margin. Economic downturns in the Mid-Atlantic region could lead to increased loan defaults and reduced profitability. Increased competition from larger national banks and fintech companies could erode market share.
How does Fulton Financial Corporation make money in financial services?
Fulton Financial Corporation generates revenue through several key channels within the financial services sector. The primary source of income is net interest income, derived from the difference between the interest earned on loans and the interest paid on deposits. Additionally, the company earns fees from wealth management services, including investment management, trust administration, and financial planning.
What regulatory challenges does Fulton Financial Corporation face?
Fulton Financial Corporation faces a complex regulatory environment, typical of financial institutions in the United States. Key regulations include those enforced by the Federal Reserve, the FDIC, and state banking authorities. These regulations cover capital requirements, reserve requirements, lending practices, and consumer protection. Compliance with these regulations requires significant investment in personnel, technology, and internal controls.
What are the key factors to evaluate for FULTP?
Fulton Financial Corporation (FULTP) holds an AI score of 79/100 (high). Not financial advice.
How frequently does FULTP data refresh on this page?
FULTP's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FULTP's recent stock price performance?
Fulton Financial Corporation (FULTP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from banking, wealth management, and insurance. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data and market projections are based on available information as of March 18, 2026.
- AI analysis is pending and may provide additional insights in the future.