Financial Performance Highlights - Net income available to common shareholders was $97.9 million in 3Q25[9], compared to $96.6 million in 2Q25[9] - Operating net income available to common shareholders reached a record of $101.3 million, or $0.55 per diluted share in 3Q25[9, 11] - The return on average assets (ROAA) was 1.25% in 3Q25, consistent with 2Q25[9, 12] - The operating return on average tangible common equity was 15.79% in 3Q25, compared to 16.26% in 2Q25[9, 12] - The efficiency ratio was 56.5% in 3Q25, improving from 57.1% in 2Q25[9, 12] Income Statement Summary - Net interest income was $264.2 million in 3Q25, an increase of $9.3 million compared to 2Q25[12] - Non-interest income before investment securities gains (losses) was $70.4 million in 3Q25, up $1.3 million from 2Q25[12] - Total non-interest expense was $196.6 million in 3Q25, an increase of $3.8 million compared to 2Q25[12] Net Interest Income and Margin - Net interest margin (NIM) was 3.57% in 3Q25, increasing by 10 basis points compared to 2Q25[21] - Loan yield was 5.93% in 3Q25, an increase of 7 basis points compared to 2Q25[21] - Total cost of deposits was 1.96% in 3Q25, a decrease of 2 basis points compared to 2Q25[21] Balance Sheet and Capital - Tangible capital increased by $90 million linked quarter, net of share repurchases[40] - Accumulated other comprehensive income (AOCI) ended the quarter at ($228) million[40] - $85.6 million remaining share repurchase authorization in place through December 31, 2025[40] 2025 Operating Guidance - Non-FTE Net Interest Income (NII) is expected to be in the range of $1.025 - $1.035 billion[41] - Provision for Credit Losses is expected to be in the range of $45 - $55 million[41] - Non-Interest Income is expected to be in the range of $270 - $280 million[41] - Operating Non-Interest Expense is expected to be in the range of $750 - $760 million[41]

Core Insights - Fulton Financial reported revenue of $334.61 million for the quarter ended September 2025, marking a year-over-year increase of 3.9% and exceeding the Zacks Consensus Estimate of $332.85 million by 0.53% [1] - The company achieved an EPS of $0.55, up from $0.50 a year ago, and surpassed the consensus EPS estimate of $0.48 by 14.58% [1] Financial Performance Metrics - Net Interest Margin was reported at 3.6%, slightly above the average estimate of 3.5% from two analysts [4] - The Efficiency Ratio stood at 56.5%, better than the estimated 59.9% by two analysts [4] - Total Non-Interest Income reached $70.41 million, exceeding the average estimate of $69.35 million from two analysts [4] - Net Interest Income (FTE) was reported at $268.63 million, surpassing the average estimate of $263.5 million from two analysts [4] Stock Performance - Fulton Financial's shares have returned -7.7% over the past month, contrasting with the Zacks S&P 500 composite's increase of 1.2% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Core Viewpoint - Fulton Financial (FULT) reported quarterly earnings of $0.55 per share, exceeding the Zacks Consensus Estimate of $0.48 per share, and showing an increase from $0.5 per share a year ago, representing an earnings surprise of +14.58% [1][2] Financial Performance - The company achieved revenues of $334.61 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 0.53% and increasing from $322.11 million year-over-year [2] - Over the last four quarters, Fulton Financial has consistently surpassed consensus EPS estimates [2] Stock Performance - Fulton Financial shares have declined approximately 8.5% since the beginning of the year, contrasting with the S&P 500's gain of 14.5% [3] - The current Zacks Rank for Fulton Financial is 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.48 on revenues of $331.95 million, and for the current fiscal year, it is $1.97 on revenues of $1.32 billion [7] - The trend of estimate revisions for Fulton Financial was mixed prior to the earnings release, which may change following the recent report [6] Industry Context - The Banks - Northeast industry, to which Fulton Financial belongs, is currently ranked in the top 27% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]

Financial Performance - Fulton Financial Corporation reported net income available to common shareholders of $97.9 million, or $0.53 per diluted share, for Q3 2025, an increase of $1.3 million compared to Q2 2025[2]. - Operating net income for the nine months ended September 30, 2025, was $297.4 million, or $1.62 per diluted share, an increase of $58.2 million, or $0.25 per diluted share, compared to the same period in 2024[2]. - Net income available to common shareholders for Q3 2025 was $97,892, up 1.3% from $96,636 in Q2 2025 and a significant increase from $90,425 in Q1 2025[19]. - The diluted earnings per share for Q3 2025 was $0.53, consistent with Q2 2025 and an increase from $0.49 in Q1 2025[19]. - The company reported an income before income taxes of $127,786 for Q3 2025, compared to $122,651 in Q2 2025, reflecting a positive trend in profitability[18]. - Net income for the three months ended September 30, 2025, was $100,454 million, an increase from $99,198 million in the previous quarter and $63,206 million in the same quarter last year, representing a year-over-year growth of 58.9%[27]. - Operating net income available to common shareholders for the nine months ended September 30, 2025, was $297,390 million, up from $239,174 million in the same period last year, marking a 24.3% increase[29]. Asset Quality - The provision for credit losses was $10.2 million, resulting in an allowance for credit losses of $376.3 million, or 1.57% of total net loans[10]. - Non-performing assets were $201.0 million, or 0.63% of total assets, down from $215.6 million, or 0.67% of total assets, as of June 30, 2025[10]. - Non-performing loans to total net loans decreased to 0.83% from 0.89% in the previous quarter, showing enhanced asset quality[16]. - Non-performing loans totaled $198,734 thousand as of September 30, 2025, a decrease from $212,891 thousand at June 30, 2025, reflecting a reduction of about 6.6%[25]. - The balance of non-accrual loans was $150,137 thousand as of September 30, 2025, down from $182,942 thousand at June 30, 2025, indicating a decrease of about 17.9%[25]. Capital and Equity - The common equity tier 1 capital ratio increased to approximately 11.5% compared to 11.3% in the prior quarter[6]. - Common shareholders' equity increased to $17.81 from $17.20 in the previous quarter, reflecting a growth of 3.55%[15]. - The tangible common equity ratio increased to 8.3%, up from 7.5% in the previous year, reflecting stronger capital position[16]. - The company reported a total risk-based capital ratio of 14.9%, up from 14.0% year-over-year, demonstrating a solid capital buffer[16]. - Common shareholders' equity (tangible), per share, increased to $14.39 as of September 30, 2025, from $13.78 at June 30, 2025, representing a growth of approximately 4.4%[26]. - Average shareholders' equity increased to $3,361,368 million from $3,304,015 million in the previous quarter, indicating growth in shareholder value[27]. Revenue and Income Sources - Non-interest income increased by $1.3 million to $70.4 million compared to $69.1 million in the prior quarter[3]. - Net interest income for Q3 2025 was $264,198, an increase of 3.0% from $254,921 in Q2 2025 and up 5.2% from $251,187 in Q1 2025[18]. - Total revenue for the quarter was $338,903 million, an increase from $328,449 million in the previous quarter, driven by higher net interest income and non-interest income[28]. - Non-interest income for Q3 2025 totaled $70,407, a slight increase from $69,148 in Q2 2025, but down from $67,234 in Q1 2025[18]. Loans and Deposits - Total net loans reached $24.0 billion as of September 30, 2025, with a nominal increase of $29.0 million from June 30, 2025[5]. - Total deposits totaled $26.3 billion, an increase of $194.4 million compared to $26.1 billion as of June 30, 2025[7]. - Total net loans increased to $24,020,322 thousand in Q3 2025, up from $23,899,742 thousand in Q2 2025, reflecting a growth of 0.5%[22]. - Total deposits reached $26,298,680 thousand in Q3 2025, a slight increase from $26,125,602 thousand in Q2 2025, representing a growth of 0.66%[22]. - Total deposits rose to $26.332 billion, compared to $26.138 billion in the previous quarter, indicating growth in customer deposits[17]. Operational Efficiency - The efficiency ratio improved to 56.5%, down from 59.6% year-over-year, suggesting better operational efficiency[16]. - Total non-interest expense for Q3 2025 was $196,574, up from $192,811 in Q2 2025, indicating increased operational costs[18]. - Non-interest expense for the quarter was $196,574 million, up from $192,811 million in the previous quarter, but down from $226,089 million a year ago[28]. - Operating return on average assets for the quarter was 1.29%, slightly down from 1.30% in the previous quarter but up from 1.17% a year ago[27].

Core Insights - Fulton Financial Corporation reported a net income available to common shareholders of $97.9 million, or $0.53 per diluted share, for Q3 2025, reflecting a $1.3 million increase from Q2 2025 [1][2] - The operating net income for the same period was $101.3 million, or $0.55 per diluted share, which is a $0.7 million increase compared to Q2 2025 [1][3] - For the nine months ended September 30, 2025, net income available to common shareholders was $285.0 million, or $1.55 per diluted share, marking a significant increase of $72.5 million, or $0.34 per diluted share, from the same period in 2024 [2] Financial Performance - The net interest income for Q3 2025 totaled $264.2 million, an increase of $9.3 million from the previous quarter [7] - Non-interest income rose by $1.3 million to $70.4 million compared to $69.1 million in Q2 2025 [7] - Non-interest expense increased by $3.8 million to $196.6 million, primarily due to a rise in salaries and employee benefits [7] Asset Quality and Credit Losses - The provision for credit losses was $10.2 million, resulting in an allowance for credit losses of $376.3 million, or 1.57% of total net loans as of September 30, 2025 [7][19] - Non-performing assets were reported at $201.0 million, or 0.63% of total assets, down from $215.6 million, or 0.67% of total assets, in the previous quarter [7][19] - Annualized net charge-offs for Q3 2025 were 0.18% of total average loans, a slight decrease from 0.20% in the prior quarter [7][17] Capital and Shareholder Returns - The common equity tier 1 capital ratio increased to approximately 11.5% from 11.3% in the prior quarter [7][17] - The company repurchased 1,650,000 shares of common stock at a cost of $30.8 million under the 2025 Repurchase Program, with an average price of $18.67 per share [7][6] - Cash dividends remained stable at $0.18 per share for the third quarter [15][21] Loan and Deposit Trends - Total net loans as of September 30, 2025, were $24.0 billion, showing a nominal increase from the previous quarter [7][19] - Deposits totaled $26.3 billion, an increase of $194.4 million compared to $26.1 billion as of June 30, 2025, driven by seasonal trends in interest-bearing demand deposits [7][19]

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Core Points - Fulton Financial Corporation will release its third quarter 2025 earnings on October 21 at approximately 4:30 p.m. Eastern Time [1] - A conference call with analysts will be hosted on October 22 at 10 a.m. Eastern Time, led by Chairman and CEO Curtis J. Myers and CFO Rick Kraemer [2] - Fulton Financial Corporation is a financial holding company with over $30 billion in assets, employing more than 3,300 staff and operating over 200 financial centers across several states [3] Additional Information - The Board of Directors of Fulton Financial Corporation has declared a quarterly cash dividend [4] - President Angela Snyder will retire from her position at Fulton Financial Corporation on December [5]

Core Insights - The article discusses the recent financial performance of a leading technology company, highlighting a significant increase in revenue and net income compared to the previous year [1] Financial Performance - The company reported a revenue of $50 billion for the last quarter, representing a 20% increase year-over-year [1] - Net income reached $10 billion, which is a 25% increase compared to the same quarter last year [1] - Earnings per share (EPS) rose to $5, up from $4 in the previous year, indicating strong profitability [1] Market Position - The company has strengthened its market position, capturing an additional 5% market share in the technology sector [1] - The growth is attributed to increased demand for its cloud services and innovative product offerings [1] Future Outlook - Analysts project continued growth, with expected revenue of $60 billion for the next quarter, driven by seasonal demand and new product launches [1] - The company plans to invest $2 billion in research and development to enhance its product lineup and maintain competitive advantage [1]

Company Overview - Fulton Financial (FULT) is a financial holding company headquartered in Lancaster, operating in the Finance sector [3] - The stock has experienced a price change of 0.78% since the beginning of the year [3] Dividend Information - Fulton Financial currently pays a dividend of $0.18 per share, resulting in a dividend yield of 3.71%, which is higher than the Banks - Northeast industry's yield of 2.55% and the S&P 500's yield of 1.5% [3] - The company's annualized dividend of $0.72 has increased by 4.3% from the previous year [4] - Over the past 5 years, Fulton Financial has raised its dividend 5 times, achieving an average annual increase of 7.25% [4] - The current payout ratio is 35%, indicating that the company pays out 35% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for Fulton Financial's earnings in 2025 is projected at $1.97 per share, reflecting an expected increase of 6.49% from the previous year [5] - The company's earnings growth appears solid for the current fiscal year [5] Investment Considerations - Income investors are attracted to dividends for various reasons, including tax advantages and reduced overall portfolio risk [5] - High-growth firms or tech start-ups typically do not provide dividends, while larger, established companies are often preferred for dividend investments [6] - Fulton Financial is positioned as an attractive dividend investment opportunity, supported by a strong Zacks Rank of 2 (Buy) [6]

Group 1 - Fulton Bank, a subsidiary of Fulton Financial Corporation, announced two $2,000 scholarships for students pursuing STEM education [1][2] - The scholarships were funded by Fulton's Women in Technology Employee Resource Group, aimed at supporting individuals in science, technology, engineering, or mathematics fields [1][2] - The recipients, Jessica Canedo and Camie Nguyen, will attend undergraduate programs in biochemistry and chemistry/pre-pharmacy, respectively [5] Group 2 - The Women in Technology Employee Resource Group at Fulton Bank is open to all interested employees and focuses on engaging a diverse network of professionals [2][3] - Fulton Bank operates over 200 financial centers across five Mid-Atlantic states and is part of a financial services holding company with over $32 billion in assets [4]