Fulton Financial Financials

FULT Stock  USD 21.61  0.37  1.74%   
Based on the analysis of Fulton Financial's profitability, liquidity, and operating efficiency, Fulton Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Fulton Financial's Other Liabilities is comparatively stable compared to the past year. Good Will is likely to gain to about 561.8 M in 2024, whereas Short and Long Term Debt Total is likely to drop slightly above 1.2 B in 2024. Key indicators impacting Fulton Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.280.2766
Fairly Up
Slightly volatile
Return On Assets0.01230.0103
Fairly Up
Very volatile
Return On Equity0.120.103
Fairly Up
Pretty Stable
Debt Equity Ratio0.540.5317
Fairly Up
Slightly volatile
Operating Income307.3 M446.5 M
Way Down
Slightly volatile
Current Ratio22.8142.29
Way Down
Slightly volatile
The financial analysis of Fulton Financial is a critical element in measuring its lifeblood. Investors should not minimize Fulton Financial's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

298.49 Million

  
Understanding current and past Fulton Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Fulton Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Fulton Financial's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Fulton Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Fulton Financial. Check Fulton Financial's Beneish M Score to see the likelihood of Fulton Financial's management manipulating its earnings.

Fulton Financial Stock Summary

Fulton Financial competes with First Commonwealth, Heritage Commerce, Northwest Bancshares, First United, and Provident Financial. Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. Fulton Financial Corporation was incorporated in 1882 and is headquartered in Lancaster, Pennsylvania. Fulton Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 3200 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3602711000
CUSIP360271100
LocationPennsylvania; U.S.A
Business AddressOne Penn Square,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.fultonbank.com
Phone717 291 2411
CurrencyUSD - US Dollar

Fulton Financial Key Financial Ratios

Fulton Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets21.9B25.9B25.8B26.9B27.6B14.0B
Other Current Liab(835.4M)(640.4M)(423.8M)(10.2M)(35.1M)(33.3M)
Net Debt1.6B1.8B865.8M2.6B1.1B911.3M
Retained Earnings1.1B1.1B1.3B1.5B1.6B1.7B
Accounts Payable8.8M10.4M7M10.2M35.1M19.4M
Cash132.3M120.5M172.3M126.9M300.3M168.5M
Other Assets15.9B17.9B17.5B21.0B(1.1B)(1.1B)
Net Receivables360.3M352.1M293.8M351.7M478.9M502.8M
Total Liab19.5B23.3B23.1B24.4B24.8B12.5B
Total Current Assets1.9B2.1B1.9B478.6M958.9M911.0M
Short Term Debt826.5M630.1M416.8M1.1B1.0B1.1B
Common Stock556.1M557.9M559.8M561.5M564.4M613.1M
Other Liab189.9M249.4M472.1M430.1M494.6M519.3M
Long Term Debt881.8M1.3B621.3M2.7B1.6B1.1B
Inventory(585.5M)(1.9B)(1.7B)(779.3M)(408.3M)(387.9M)
Treasury Stock(792.9M)(828.0M)(869.6M)(781.8M)(703.6M)(668.4M)
Intangible Assets39.3M28.2M39.2M10.3M7.3M7.0M
Other Current Assets585.5M1.9B1.7B779.3M658.6M625.6M
Good Will535.3M536.7M534.3M550.5M553.3M561.8M
Net Tangible Assets1.8B1.9B2.0B1.8B2.1B1.8B
Capital Surpluse1.5B1.5B1.5B1.5B1.8B1.6B

Fulton Financial Key Income Statement Accounts

The reason investors look at the income statement is to determine what Fulton Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense176.9M113.7M59.7M83.2M419.0M439.9M
Operating Income271.1M202.2M334.2M430.2M446.5M307.3M
Ebit271.1M202.2M334.2M347.0M348.7M302.2M
Ebitda272.5M231.6M363.6M378.9M381.7M316.6M
Net Income232.6M178.0M275.5M287.0M284.3M298.5M
Income Tax Expense38.5M24.2M58.7M60.0M64.4M37.9M
Total Revenue864.5M858.6M903.5M1.0B1.0B576.7M
Gross Profit864.5M858.6M903.5M1.0B1.1B578.3M
Income Before Tax271.1M202.2M334.2M347.0M348.7M183.4M
Tax Provision37.6M24.2M58.7M60.0M63.1M52.3M
Net Interest Income648.4M629.2M663.7M781.6M868.2M711.1M
Interest Income825.3M742.9M723.4M864.8M1.2B852.3M

Fulton Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash72.1M1.3B(209.2M)(956.7M)(132.2M)(125.6M)
Free Cash Flow94.0M134.3M324.6M577.0M330.0M174.5M
Depreciation29.6M29.3M29.4M31.9M33.0M22.0M
Other Non Cash Items60.4M72.0M79.1M187.9M58.9M52.9M
Dividends Paid92.3M91.0M112.0M116.0M115.7M63.7M
Capital Expenditures33.7M20.2M17.7M21.2M33.0M21.2M
Net Income226.3M178.0M275.5M287.0M284.3M298.5M
End Period Cash Flow517.8M1.8B1.6B681.9M549.7M411.6M
Investments(835.7M)(2.5B)(790.5M)(1.5B)(1.4B)(1.3B)
Net Borrowings17.4M160.2M(923.3M)1.5B1.8B1.9B
Change To Netincome(98.6M)(23.6M)86.1M311.3M280.2M294.2M

Fulton Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Fulton Financial's current stock value. Our valuation model uses many indicators to compare Fulton Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Fulton Financial competition to find correlations between indicators driving Fulton Financial's intrinsic value. More Info.
Fulton Financial is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Fulton Financial is roughly  10.27 . At this time, Fulton Financial's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Fulton Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Fulton Financial Systematic Risk

Fulton Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Fulton Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Fulton Financial correlated with the market. If Beta is less than 0 Fulton Financial generally moves in the opposite direction as compared to the market. If Fulton Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Fulton Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Fulton Financial is generally in the same direction as the market. If Beta > 1 Fulton Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Fulton Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Fulton Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Fulton Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(5.12)

At this time, Fulton Financial's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Fulton Financial November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Fulton Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Fulton Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Fulton Financial based on widely used predictive technical indicators. In general, we focus on analyzing Fulton Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Fulton Financial's daily price indicators and compare them against related drivers.

Additional Tools for Fulton Stock Analysis

When running Fulton Financial's price analysis, check to measure Fulton Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Fulton Financial is operating at the current time. Most of Fulton Financial's value examination focuses on studying past and present price action to predict the probability of Fulton Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Fulton Financial's price. Additionally, you may evaluate how the addition of Fulton Financial to your portfolios can decrease your overall portfolio volatility.