FULTON FINANCIAL CORP (FULT) Earnings History

FULTON FINANCIAL CORP - Q4 FY2025 Earnings

Filed at: Jan 21, 2026, 4:33 PM EST|Read from source

EXECUTIVE SUMMARY

Fulton Financial Corporation reported solid full-year 2025 results with increased operating net income, driven by strategic execution and team dedication. The fourth quarter showed a slight sequential decrease in operating net income but maintained a strong net interest margin.

POSITIVE HIGHLIGHTS

  • •

    Full-year 2025 net income available to common shareholders increased by $102.9 million to $381.4 million compared to 2024.

    positive
  • •

    Full-year 2025 operating net income available to common shareholders increased by $68.7 million to $396.8 million compared to 2024.

    positive
  • •

    Operating diluted EPS for the full year 2025 increased by $0.31 to $2.16 compared to 2024.

    positive
  • •

    Net interest margin remained strong at 3.59% in Q4 2025.

    positive
  • •

    Common equity tier 1 capital ratio increased to approximately 11.8% in Q4 2025.

    positive
  • •

    Total loans increased by $103.4 million to $24.1 billion in Q4 2025.

    positive
  • •

    Total deposits increased by $256.9 million to $26.6 billion in Q4 2025.

    positive

CONCERNS & RISKS

  • •

    Q4 2025 net income available to common shareholders decreased by $1.5 million compared to Q3 2025.

    attention
  • •

    Q4 2025 operating net income available to common shareholders decreased by $1.9 million compared to Q3 2025.

    attention
  • •

    Non-interest expense increased by $16.4 million to $213.0 million in Q4 2025 compared to Q3 2025, primarily due to higher salaries and employee benefits.

    attention
  • •

    Annualized net charge-offs increased to 0.24% in Q4 2025 from 0.18% in the prior quarter.

    attention

FINANCIAL METRICS

Revenue
Quarterly
N/A
N/A
Net Income
Quarterly
$96.41M
+45.9%
Prior year: $66.06M
Annual (YTD)
$381.36M
N/A
Prior year: $278.50M
EPS (Diluted)
Quarterly
$0.53
+47.2%
Prior year: $0.36
Annual (YTD)
$2.08
N/A
Prior year: $1.57
Operating Income
Quarterly
N/A
N/A
Annual (YTD)
$396.77M
N/A
Prior year: $328.06M
EPS (Basic)
Quarterly
$0.53
+47.2%
Prior year: $0.36
Annual (YTD)
$2.10
N/A
Prior year: $1.59

MARGIN ANALYSIS

Margin metrics will be available once backend extracts data from insights_json

MANAGEMENT COMMENTARY

The strength of our strategy and the dedication of our team combined to generate a 17% increase in our operating diluted earnings per share.

— FULTON FINANCIAL CORP, Q4 FY2025 2025 Earnings Call

In 2025, we delivered value to customers, expanded our team and customer base, and generated solid financial performance.

— FULTON FINANCIAL CORP, Q4 FY2025 2025 Earnings Call

Solid net interest margin of 3.59%, with a 13 basis point decrease in total cost of funds compared to the prior quarter.

— FULTON FINANCIAL CORP, Q4 FY2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Allowance For Credit Losses To Total Loans
1.5
Prior year: 1.6
percent
Efficiency Ratio
60
Prior year: 58.4
percent
Non Performing Assets To Total Assets
0.6
Prior year: 0.7
percent
Return On Average Assets
1.2
+44.7% YoY
Prior year: 0.8
percent
Return On Average Common Shareholders Equity
11.7
+34.7% YoY
Prior year: 8.7
percent

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.