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Upturn AI SWOT - About
FULT 
Fulton Financial Corporation (FULT)
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Upturn Advisory Summary
03/27/2025: FULT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -28.84% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.27B USD | Price to earnings Ratio 11.45 | 1Y Target Price 23.08 |
Price to earnings Ratio 11.45 | 1Y Target Price 23.08 | ||
Volume (30-day avg) 1212709 | Beta 0.78 | 52 Weeks Range 13.48 - 22.28 | Updated Date 03/30/2025 |
52 Weeks Range 13.48 - 22.28 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 4.01% | Basic EPS (TTM) 1.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.16% | Operating Margin (TTM) 34% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 9.69% |
Valuation
Trailing PE 11.45 | Forward PE 10.15 | Enterprise Value 4436152320 | Price to Sales(TTM) 2.85 |
Enterprise Value 4436152320 | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 182200000 | Shares Floating 180215357 |
Shares Outstanding 182200000 | Shares Floating 180215357 | ||
Percent Insiders 0.98 | Percent Institutions 78.91 |
Analyst Ratings
Rating 3.57 | Target Price 22.83 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fulton Financial Corporation
Company Overview
History and Background
Fulton Financial Corporation was founded in 1882 as Fulton National Bank in Lancaster, Pennsylvania. Over time, it expanded through acquisitions and organic growth, evolving into a multi-bank holding company.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including lending, deposit accounts, cash management, and international banking services to businesses of all sizes.
- Consumer Banking: Provides consumer banking services such as checking and savings accounts, mortgages, home equity loans, credit cards, and personal loans.
- Wealth Management: Offers wealth management services, including investment management, trust and estate planning, and financial planning to individuals and families.
Leadership and Structure
Curt Myers is the Chairman and CEO. Fulton Financial is structured as a bank holding company with multiple subsidiary banks operating under regional management teams.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share is regional and difficult to pinpoint precisely but within PA and surrounding states they have a strong presence. Competitors include M&T Bank (MTB), PNC Financial (PNC), and Truist Financial (TFC).
- Mortgages: Residential mortgage loans for home purchase and refinance. Market share fluctuates based on interest rates and market conditions. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC).
- Wealth Management Services: Comprehensive financial planning, investment management, and trust services for high-net-worth individuals and families. Revenue is generated through fees based on assets under management (AUM). Competitors include large brokerage houses like Merrill Lynch (BAC), Morgan Stanley (MS), and smaller regional firms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, potential economic slowdown, and increased regulatory scrutiny. Fintech companies are also increasing competitive pressure.
Positioning
Fulton Financial Corporation positions itself as a community-focused bank with a strong emphasis on customer service and relationship banking. Their competitive advantage lies in their local presence and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Fulton's footprint is substantial, encompassing all individuals and businesses requiring financial services. Fulton's market position is strong within its core geographic areas, but it has room to expand further.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Customer-focused approach
- Diversified revenue streams
- Solid capital base
Weaknesses
- Limited geographic footprint compared to larger banks
- Reliance on traditional banking model
- Lower brand recognition outside of core markets
- Vulnerable to interest rate fluctuations
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased investment in digital banking technologies
- Growth in wealth management business
- Capitalizing on the disruption in the banking sector to attract new customers
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn and credit quality deterioration
- Rising interest rates and impact on loan demand
- Cybersecurity threats and data breaches
- Changing regulatory landscape
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- M&T Bank Corporation (MTB)
- Truist Financial Corporation (TFC)
Competitive Landscape
Fulton Financial faces intense competition from larger regional and national banks. Its competitive advantage lies in its local presence and customer-focused approach, but it needs to continue to innovate and invest in technology to remain competitive.
Major Acquisitions
Lebanon Valley National Bank
- Year: 2022
- Acquisition Price (USD millions): 155
- Strategic Rationale: Expanded market share in Central Pennsylvania and strengthened presence in key commercial lending segments.
Growth Trajectory and Initiatives
Historical Growth: Fulton Financial has achieved steady growth through a combination of organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased investment in digital banking.
Recent Initiatives: Recent initiatives include the acquisition of a small regional bank and the launch of a new digital banking platform.
Summary
Fulton Financial Corporation is a stable regional bank with a strong customer focus and consistent financial performance. Its growth trajectory is promising, but it faces challenges from larger competitors and the evolving banking landscape. The company's local presence and community banking model remain its key strengths, but it must continue to adapt to remain competitive. Investors should watch out for economic slowdowns that impact regional banks.
Similar Companies
- PNC
- MTB
- TFC
- CMA
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Financial News Outlets
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fulton Financial Corporation
Exchange NASDAQ | Headquaters Lancaster, PA, United States | ||
IPO Launch date 1990-03-26 | CEO & Chairman Mr. Curtis J. Myers | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3400 | Website https://www.fultonbank.com |
Full time employees 3400 | Website https://www.fultonbank.com | ||
Fulton Financial Corporation operates as the bank holding company for Fulton Bank that provides banking and financial products and services in the United States. It provides various checking accounts and savings deposit products, and certificates of deposit. The company also offers consumer loans products, including home equity loans and lines of credit; construction and jumbo residential mortgage loans; automobile, student, and personal loans; account overdraft protection; commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it offers letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns trust preferred securities; and sells various life insurance products. It provides its products and services through financial center locations, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. Fulton Financial Corporation was founded in 1882 and is headquartered in Lancaster, Pennsylvania.
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