Fulton Financial (NasdaqGS:FULT) Q4 2025 Earnings call January 22, 2026 10:00 AM ET Company ParticipantsPat Lafferty - Investor Relations ManagerMatthew Breese - Managing Director and Institutional Equities and ResearchRick Kraemer - CFODavid Bishop - Director and Equity Research for U.S. Bank SectorCurt Myers - Chairman, President and CEOConference Call ParticipantsDaniel Tamayo - Equity Research Analyst for Banks and Financial InstitutionsOperatorGood day, and thank you for standing by. Welcome to the Ful ...

Fulton Financial (NasdaqGS:FULT) Q4 2025 Earnings call January 22, 2026 10:00 AM ET Company ParticipantsPat Lafferty - Investor Relations ManagerMatthew Breese - Managing Director and Institutional Equities and ResearchRick Kraemer - CFODavid Bishop - Director and Equity Research for U.S. Bank SectorCurt Myers - Chairman, President and CEOConference Call ParticipantsDaniel Tamayo - Equity Research Analyst for Banks and Financial InstitutionsOperatorGood day and thank you for standing by. Welcome to the Fult ...

Fulton Financial (NasdaqGS:FULT) Q4 2025 Earnings call January 22, 2026 10:00 AM ET Speaker4Good day, and thank you for standing by. Welcome to the Fulton Financial Fourth Quarter 2025 Results Conference Call. At this time, all participants are in listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdr ...

A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation's Annual Report on Form 10-K for the year ended December 31, 2024, Quarterly Reports on Form 10-Q for the quarters ending ...

FULT reported earnings per share (EPS) of $0.53, slightly above the estimated $0.52.The company also reported revenue of approximately $340.4 million, surpassing the estimated $336.9 million.Full-year net income showed a significant increase, with $381.4 million, or $2.08 per diluted share.Fulton Financial Corporation, listed on NASDAQ:FULT, is a financial services company that provides a range of banking services. On January 21, 2026, FULT reported earnings per share (EPS) of $0.53, slightly above the esti ...

For the quarter ended December 2025, Fulton Financial (FULT) reported revenue of $340.44 million, up 5.1% over the same period last year. EPS came in at $0.55, compared to $0.48 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $335 million, representing a surprise of +1.62%. The company delivered an EPS surprise of +6.8%, with the consensus EPS estimate being $0.52.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall St ...

Fulton Financial (FULT) came out with quarterly earnings of $0.55 per share, beating the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $0.48 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +6.80%. A quarter ago, it was expected that this financial holding company would post earnings of $0.48 per share when it actually produced earnings of $0.55, delivering a surprise of +14.58%.Over the last four qu ...

Financial Performance - Net income available to common shareholders for Q4 2025 was $96.4 million, or $0.53 per diluted share, a decrease of $1.5 million from Q3 2025[2] - Operating net income for the year ended December 31, 2025, was $396.8 million, an increase of $68.7 million, or $0.31 per diluted share, compared to 2024[2] - Net income available to common shareholders was $96,408, compared to $66,058 in the previous year, marking a significant increase of 45.9%[14] - Net income for Q4 2025 was $98.97 million, compared to $68.62 million in Q4 2024, representing a year-over-year increase of 44.2%[27] - Operating net income available to common shareholders for the year ended December 31, 2025, was $396.77 million, up from $328.06 million in 2024, reflecting a growth of 20.9%[29] Income and Expenses - Non-interest income decreased by $0.4 million to $70.0 million in Q4 2025 compared to Q3 2025[3] - Non-interest income was reported at $69,980, slightly up from $65,924 year-over-year, indicating a growth of 6.2%[14] - Total non-interest expense for the year ended December 31, 2025, was $791,829,000, a decrease from $819,791,000 in 2024, indicating cost management efforts[18] - Non-interest expense for Q4 2025 was $212.99 million, up from $216.62 million in Q4 2024, reflecting a decrease of 1.2%[29] Asset and Loan Growth - Total net loans increased to $24.1 billion, up $103.4 million from Q3 2025, driven by a $73.4 million increase in consumer loans[9] - Net loans reached $24.14 billion, showing a slight increase from $24.04 billion in the prior quarter[17] - Net loans remained stable at $24,144,884 compared to $24,044,919 in the previous year, showing a slight increase of 0.42%[14] - Net loans charged off for the quarter were $14,347 thousand, compared to $10,929 thousand in the previous quarter, indicating an increase in charge-offs[25] Deposits and Liabilities - Deposits totaled $26.6 billion, an increase of $256.9 million from Q3 2025, primarily due to increases in brokered deposits and noninterest-bearing demand deposits[9] - Total deposits rose to $26.59 billion, up from $26.33 billion in the previous quarter, reflecting a growth of 0.98%[17] - The total liabilities stood at $28.63 billion, a marginal increase from $28.58 billion in the previous quarter[17] Capital and Ratios - The common equity tier 1 capital ratio increased to approximately 11.8% compared to 11.6% in the prior quarter[5] - The common equity Tier 1 capital ratio increased to 11.8%, up from 10.8% year-over-year, reflecting stronger capital position[16] - Tangible common equity to tangible assets ratio improved to 8.52% in Q4 2025, compared to 7.54% in Q4 2024, indicating stronger capital position[27] Efficiency and Returns - The efficiency ratio improved to 60.0%, compared to 58.4% in the same quarter last year, indicating better cost management[16] - The operating return on average assets for Q4 2025 was 1.27%, slightly down from 1.14% in Q4 2024[27] - Cash dividends per share increased to $0.19, up from $0.18 in the previous quarter, showing a commitment to returning value to shareholders[14] Credit Quality - Provision for credit losses was $2.9 million, resulting in an allowance for credit losses of $364.5 million, or 1.51% of total net loans as of December 31, 2025[9] - Non-performing assets were $185.2 million, or 0.58% of total assets, down from $201.0 million, or 0.63% of total assets, in the prior quarter[9] - Non-performing loans to total net loans decreased to 0.76%, down from 0.92% year-over-year, indicating improved asset quality[16] - Total non-performing assets amounted to $185,161 thousand as of December 31, 2025, a decrease from $201,039 thousand in the previous quarter[25]

(1)(1) LANCASTER, Pa., Jan. 21, 2026 /PRNewswire/ -- Fulton Financial Corporation (NASDAQ: FULT) ("Fulton" or the "Corporation") reported net income available to common shareholders of $96.4 million, or $0.53 per diluted share, for the fourth quarter of 2025, a decrease of $1.5 million in comparison to the third quarter of 2025. Operating net income available to common shareholders for the three months ended December 31, 2025 was $99.4 million, or $0.55 per diluted share, a decrease of $1.9 million in compa ...

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