FULT Q4 2025

Q1 2026 Q4 2025 Q3 2025 Q2 2025

Earnings

Fulton Financial delivered a stronger-than-expected fourth quarter, with operating earnings per diluted share of $0.55 beating the $0.51 consensus by 7.84%, even as revenue of $336.02 million came in fractionally below the $336.90 million estimate an… Read more Fulton Financial delivered a stronger-than-expected fourth quarter, with operating earnings per diluted share of $0.55 beating the $0.51 consensus by 7.84%, even as revenue of $336.02 million came in fractionally below the $336.90 million estimate and fell 30.6% year over year. The earnings beat was driven in large part by a sharp drop in the provision for credit losses to $2.95 million from $10.24 million the prior quarter, while net interest margin edged up 2 basis points to 3.59% on lower funding costs. The quarter was not without friction, as non-interest expense surged to $212.99 million from $196.57 million, largely on $7.50 million in higher incentive compensation, pushing the operating efficiency ratio to 60.0% from 56.5%. For full-year 2025, operating diluted EPS rose 17% to $2.16. The company's stock reached a 52-week high following the results, with at least one analyst raising their price target to $23.00. Looking ahead, Fulton guided 2026 non-FTE net interest income to $1.12 to $1.14 billion, incorporating mid-single-digit loan growth and the pending Blue Foundry Bancorp acquisition, expected to close in Q2 2026.