Fulton Financial Corporation (FULT)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$24.10+0.96%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FULT
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -3.6% |
| Our one-year growth estimate | diamond | -5.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 1.7 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
FULT — CEO transition
Dated 2026-07-21
Director — David S. Schulz: Fulton Financial Corporation elected David S. Schulz to its Board of Directors and the Bank's Board of Directors.
Why it matters: This report will show the company's financial health and how well it operates.
Watch forEarnings per share are over $0.60, showing strong performance.
Also watch forEarnings per share falls below $0.50, suggesting potential issues.
Why it matters: Growth in operating income is key for long-term profits. A decline shows ongoing problems.
Supportive ifOperating income rises to over $120 million in Q2 2026.
Worry ifOperating income stays below $117 million in Q2 2026.
Why it matters: Higher provisions may show more credit risk. This can affect profit.
Worry ifQ3 provision for credit losses exceeds $14.4 million.
Less concerning ifProvision for credit losses remains at or below $14.4 million.
Why it matters: Strong cash flow means Fulton is working better. This helps its overall financial health.
Supportive ifCash from operations stays above $100M in Q2.
Worry ifCash from operations falls below $100M in Q2.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$91 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $228 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,552 loss on $10,000 · 15.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: More charge-offs may show worse asset quality. This can hurt profits.
Worry ifAnnual net charge-offs are above 0.34%.
Less concerning ifNet charge-offs remain at or below 0.34%.
Why it matters: An increase in non-interest expense may hurt margins and profit.
Worry ifIn Q3, non-interest costs are more than $231 million.
Less concerning ifNon-interest expense is at or below $231 million.
Why it matters: A drop in sector revenue growth may show wider economic problems for Fulton.
Worry ifSector revenue growth falls below its median of 10% year over year.
Less concerning ifSector revenue growth remains above its median.
Why it matters: Strong cash flow helps growth and pays dividends. This shows good financial health.
Supportive ifCash from operations increases by more than 10% year over year.
Worry ifCash from operations declines or grows less than 5% year over year.
Why it matters: A steady or rising capital ratio shows strong financial health and follows rules.
Supportive ifCommon equity tier 1 capital ratio was over 11.5% in Q2 2026.
Worry ifCommon equity tier 1 capital ratio falls below 11.5% in Q2 2026.
Why it matters: Higher non-interest expenses may show problems in operations. This can hurt profits.
Worry ifNon-interest expense is below $210 million in the next quarter.
Less concerning ifNon-interest expense is more than $210 million.
Why it matters: A fall in operating income could show trouble in keeping profits. This may affect future growth plans.
Worry ifOperating income falls below $115.1 million in Q3.
Less concerning ifOperating income stays at or above $115.1 million in Q3.
Why it matters: Good integration helps reach growth goals and improves market presence.
Supportive ifManagement says integration goals are met on time. Customer retention is still high.
Worry ifIntegration problems happen. This can cause lost customers or delays in operations.
Why it matters: A smooth integration is important for getting the benefits from the Blue Foundry deal.
Supportive ifThe merger of Blue Foundry Bank into Fulton Bank should happen by summer 2026 without major issues.
Worry ifThere are delays in integration. Many customers have complaints during the transition.
Why it matters: An increase would reflect strong cash flow and commitment to returning value to shareholders.
Supportive ifManagement says they will raise the dividend above $0.19 per share.
Worry ifNo increase in the dividend is announced. The current rate stays the same.
Why it matters: Growing dividends show that the company is stable. It also shows commitment to shareholders.
Supportive ifDividend per share remains at or increases from $0.19 in Q2 2026.
Worry ifIf the dividend per share goes down or stays the same, it shows possible financial strain.
Why it matters: A rising ratio may show worse asset quality. This can hurt overall financial health.
Worry ifNon-performing assets decrease to below 0.50% of total assets in Q2 2026.
Less concerning ifNon-performing assets rise above 0.58% of total assets in Q2 2026.
Why it matters: A drop in net interest margin could signal weaker profitability. This would raise concerns about loan pricing and interest income.
Worry ifQ3 net interest margin is below 3.60%.
Less concerning ifNet interest margin remains at or above 3.60%.
Why it matters: Strong growth in non-interest income shows that fee-based services are working well. This can help make more money.
Supportive ifQ3 non-interest income growth exceeds 10% year over year.
Worry ifNon-interest income growth is less than 5% year over year.