Fulton Financial (FULT) Q3 2026 Earnings
How Did FULT Stock React to Q3 2026 Earnings?
Did FULT Beat Earnings? Q3 2026 Results
Yes. Fulton Financial reported Q3 2026 earnings of $0.62 a share on Oct 21, 2026, beating the $0.55 consensus estimate by 13.0%. Revenue was $367.3M against a $366.7M estimate.
Fulton Financial Corporation delivered a convincing earnings beat in Q3 2026, extending its streak of topping consensus EPS estimates to five consecutive quarters. The Lancaster, Pennsylvania-based bank posted adjusted non-GAAP diluted EPS of $0.62, clearing the $0.55 consensus estimate by 13.01%, while revenue of $367.26 million edged past expectations by 0.15%, though total revenue fell 23.7% from a year earlier. The single most meaningful driver of the quarter was the successful completion of the Blue Foundry Bank integration, which closed on July 11, 2026, causing acquisition-related expenses to plunge to $1.74 million from $13.84 million in Q2; with cost saves tracking ahead of original estimates, the drag that weighed on recent quarters is now largely behind the company. Net interest income climbed to $290.04 million sequentially, and net interest margin held at 3.58%, supported by improving loan yields. Looking ahead, Fulton maintained full-year 2026 guidance for net interest income of $1.13 to $1.14 billion and non-interest income of $295 to $305 million, assuming 25 basis point rate hikes in both September and December.
- Net interest income increased $5.8 million linked quarter driven by higher loan, securities, and other interest-earning asset income
- Net interest margin remained solid at 3.58%
- Blue Foundry Bancorp Transaction cost saves tracking favorable to original estimates
- Acquisition-related expenses decreased $12.1 million linked quarter
- Deposit growth of $571 million driven by commercial deposits and seasonal municipal trends
- Wealth management revenues increased $2.1 million linked quarter
- Annualized net charge-offs improved to 0.14% from 0.34% in prior quarter
“During the quarter, we achieved record financial results while successfully completing the Blue Foundry Bank integration and delivering solid growth in the customer base and customer funding.”
Fulton Financial CEO, on the earnings call
What Is Fulton Financial's Outlook?
Full-year 2026 operating guidance: Net interest income (non-FTE) of $1.125–$1.135 billion (with ~$50 million purchase accounting accretion and $16–$18 million FTE adjustment); provision for credit losses of $30–$40 million (adjusted to reflect performance to date); non-interest income of $295–$305 million (increased to reflect performance to date); operating non-interest expense of $820–$830 million (assumes ~$25 million legacy Blue Foundry operating expense); non-operating expenses of ~$25 million (acquisition-related and FultonFirst implementation); CDI expense of ~$22 million; effective tax rate of 18.5%–19.5%. Guidance incorporates assumed 25 bps federal funds rate hikes in September 2026 and December 2026.
FULT YoY Financials
| Metric | Q3 2026 | Q3 2025 | Year over year |
|---|---|---|---|
| Revenue | $367.3M | $481.2M | −23.7% |
| Net Income | $116.7M | $100.5M | +16.1% |
| Operating Income | $144.7M | $127.8M | +13.2% |
FULT Revenue by Segment
When Does Fulton Financial Report Next?
Figures from SEC filings and company reports. Not investment advice.