What is Fulton Finl's earnings per share (EPS)?

Fulton Finl (FULTP) reported diluted earnings per share of $2.08 for fiscal year 2025. This represents a 32.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Fulton Finl Financials

FULTP

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Fulton Finl (FULTP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FULTP FY2025 2026-04-22

FY2025 shows better profit from a similar-sized balance sheet, but cash generation did not keep pace with the earnings rebound.

Compared with the prior year, assets stayed near $32.1B while net income climbed to $391.6M. ROA improved to 1.2% even as equity expanded to $3.5B, which points to better asset productivity rather than extra leverage as the main driver of the stronger year.

The one caution is cash conversion: operating cash flow was $304.5M even though net income was $391.6M. In a lender, that line can swing with funding and balance-sheet movements, but this still means FY2025's improvement was less cash-confirmed than the profit figure alone implies.

Capital was being rebuilt, not just distributed: retained earnings rose to $2.0B while dividends paid were $141.2M. With liabilities easing and equity growing, the company finished FY2025 with a somewhat thicker loss-absorbing layer, even though the model still runs through a leverage-heavy balance sheet at roughly 8.2x liabilities to equity.

Financial Health Signals

Financial Profile 14/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Fulton Finl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Fulton Finl's revenue declined 6.5% year-over-year, from $296.0M to $276.8M. This contraction results in a growth score of 50/100.

Leverage

Fulton Finl has elevated debt relative to equity (D/E of 8.20), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Fulton Finl's ROE of 11.2% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 9.0% the prior year.

Piotroski F-Score Weak

3/9

Fulton Finl passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.78x

For every $1 of reported earnings, Fulton Finl generates $0.78 in operating cash flow ($304.5M OCF vs $391.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$276.8M

YoY-6.5%

5Y CAGR+4.1%

10Y CAGR-7.2%

Fulton Finl generated $276.8M in revenue in fiscal year 2025. This represents a decrease of 6.5% from the prior year.

EBITDA

N/A

Net Income

$391.6M

YoY+35.6%

5Y CAGR+17.1%

10Y CAGR+10.1%

Fulton Finl reported $391.6M in net income in fiscal year 2025. This represents an increase of 35.6% from the prior year.

EPS (Diluted)

$2.08

YoY+32.5%

5Y CAGR+14.0%

10Y CAGR+9.4%

Fulton Finl earned $2.08 per diluted share (EPS) in fiscal year 2025. This represents an increase of 32.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$1.1B

YoY-0.2%

5Y CAGR-10.5%

10Y CAGR+12.3%

Fulton Finl held $1.1B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.73

YoY+5.8%

5Y CAGR+5.4%

10Y CAGR+6.7%

Fulton Finl paid $0.73 per share in dividends in fiscal year 2025. This represents an increase of 5.8% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

141.5%

YoY+44.0pp

5Y CAGR+62.8pp

10Y CAGR+115.9pp

Fulton Finl's net profit margin was 141.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 44.0 percentage points from the prior year.

Return on Equity

11.2%

YoY+2.2pp

5Y CAGR+4.4pp

10Y CAGR+3.9pp

Fulton Finl's ROE was 11.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$66.0M

YoY+117.6%

5Y CAGR+10.7%

10Y CAGR+2.8%

Fulton Finl spent $66.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 117.6% from the prior year.

Capital Expenditures

N/A

FULTP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$276.8M-6.5%	$296.0M+29.6%	$228.4M+0.6%	$227.2M-5.4%	$240.2M+6.1%	$226.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$443.5M+2.5%	$432.8M+14.7%	$377.4M+5.8%	$356.9M+8.4%	$329.1M+1.5%	$324.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$580.5M-6.6%	$621.9M+48.4%	$418.9M+403.5%	$83.2M+39.4%	$59.7M-47.5%	$113.7M
Income Tax	$94.0M+68.2%	$55.9M-13.3%	$64.4M+7.3%	$60.0M+2.2%	$58.7M+142.8%	$24.2M
Net Income	$391.6M+35.6%	$288.7M+1.6%	$284.3M-0.9%	$287.0M+4.2%	$275.5M+54.7%	$178.0M
EPS (Diluted)	$2.08+32.5%	$1.57-4.3%	$1.64-1.8%	$1.67+3.1%	$1.62+50.0%	$1.08

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$69.8M-0.2%	$70.0M-0.6%	$70.4M+1.8%	$69.1M+2.8%	$67.2M+2.0%	$65.9M+10.5%	$59.7M-47.3%	$113.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$109.9M-9.6%	$121.6M+9.3%	$111.3M+3.9%	$107.1M+3.5%	$103.5M-4.0%	$107.9M-9.2%	$118.8M+7.4%	$110.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$128.0M-6.8%	$137.4M-6.4%	$146.8M-0.7%	$147.8M-0.4%	$148.5M-7.6%	$160.7M-5.3%	$169.6M+6.8%	$158.8M
Income Tax	$22.4M+5.9%	$21.1M-22.7%	$27.3M+16.5%	$23.5M+6.2%	$22.1M+25.3%	$17.6M+7.1%	$16.5M+100.8%	$8.2M
Net Income	$94.8M-4.3%	$99.0M-1.5%	$100.5M+1.3%	$99.2M+6.7%	$93.0M+35.5%	$68.6M+8.6%	$63.2M-33.4%	$95.0M
EPS (Diluted)	$0.51	N/A	$0.530.0%	$0.53+8.2%	$0.49	N/A	$0.33-36.5%	$0.52

FULTP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$32.1B+0.1%	$32.1B+16.3%	$27.6B+2.4%	$26.9B+4.4%	$25.8B-0.4%	$25.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.1B-0.2%	$1.1B+93.5%	$549.7M-19.4%	$681.9M-58.4%	$1.6B-11.3%	$1.8B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$553.3M0.0%	$553.3M0.0%	$553.3M+0.5%	$550.5M+3.0%	$534.3M+0.2%	$533.4M
Total Liabilities	$28.6B-0.9%	$28.9B+16.4%	$24.8B+1.9%	$24.4B+5.5%	$23.1B-0.9%	$23.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$621.3M-52.1%	$1.3B
Total Equity	$3.5B+9.2%	$3.2B+15.8%	$2.8B+7.0%	$2.6B-4.9%	$2.7B+3.7%	$2.6B
Retained Earnings	$2.0B+14.0%	$1.8B+9.7%	$1.6B+11.6%	$1.5B+13.1%	$1.3B+14.4%	$1.1B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$32.2B+0.4%	$32.1B+0.4%	$32.0B-0.1%	$32.0B-0.3%	$32.1B+0.2%	$32.1B-0.4%	$32.2B+1.3%	$31.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.1B+0.1%	$1.1B+30.4%	$814.2M+1.2%	$804.7M-21.9%	$1.0B-3.1%	$1.1B-26.2%	$1.4B+3.2%	$1.4B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$553.3M	N/A	N/A	N/A	$553.3M	N/A	N/A
Total Liabilities	$28.7B+0.4%	$28.6B+0.2%	$28.6B-0.5%	$28.7B-0.5%	$28.9B-0.1%	$28.9B-0.4%	$29.0B+1.1%	$28.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$3.5B+0.4%	$3.5B+2.3%	$3.4B+2.5%	$3.3B+1.7%	$3.3B+2.4%	$3.2B-0.2%	$3.2B+3.3%	$3.1B
Retained Earnings	$2.1B+2.9%	$2.0B+3.2%	$2.0B+3.4%	$1.9B+3.5%	$1.8B+3.2%	$1.8B+1.9%	$1.7B+1.7%	$1.7B

FULTP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$304.5M-26.9%	$416.6M+14.8%	$363.0M-39.0%	$594.8M+75.8%	$338.4M+115.0%	$157.4M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$82.2M-105.0%	$1.6B+301.3%	-$809.2M+47.3%	-$1.5B-630.9%	-$210.1M+91.6%	-$2.5B
Financing Cash Flow	-$224.6M+85.3%	-$1.5B-587.8%	$314.0M+2074.8%	-$15.9M+95.3%	-$337.5M-109.2%	$3.7B
Dividends Paid	$141.2M+7.2%	$131.7M+13.8%	$115.7M-0.2%	$116.0M+3.6%	$112.0M+23.2%	$91.0M
Share Buybacks	$66.0M+117.6%	$30.3M-60.6%	$77.1M	$0-100.0%	$43.9M+10.5%	$39.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$114.7M+19.5%	$96.0M-17.3%	$116.1M+26.5%	$91.7M+12951.1%	$703K-99.5%	$127.9M+681.7%	-$22.0M-113.9%	$157.8M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$188.2M-253.8%	$122.4M+87.0%	$65.4M+133.4%	-$195.7M-163.2%	-$74.3M+62.5%	-$198.4M+46.0%	-$367.7M-114.7%	$2.5B
Financing Cash Flow	$74.8M+157.4%	$29.1M+116.9%	-$172.0M-41.1%	-$121.9M-403.0%	$40.2M+113.1%	-$306.3M-170.6%	$434.1M+126.9%	-$1.6B
Dividends Paid	$36.7M+4.6%	$35.1M-0.5%	$35.3M-0.4%	$35.4M+0.1%	$35.4M-0.6%	$35.6M+10.5%	$32.2M-8.3%	$35.2M
Share Buybacks	$24.6M+23.6%	$19.9M-35.8%	$31.0M+113.7%	$14.5M+2540.9%	$550K	$0	$0	$0

FULTP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	141.5%+44.0pp	97.5%-26.9pp	124.5%-1.9pp	126.3%+11.7pp	114.7%+36.0pp	78.7%
Return on Equity	11.2%+2.2pp	9.0%-1.3pp	10.3%-0.8pp	11.1%+1.0pp	10.2%+3.4pp	6.8%
Return on Assets	1.2%+0.3pp	0.9%-0.1pp	1.0%-0.0pp	1.1%0.0pp	1.1%+0.4pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.20-0.8	9.03+0.0	8.99-0.5	9.44+9.2	0.23-0.3	0.50
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	135.7%-5.7pp	141.4%-1.3pp	142.7%-0.8pp	143.5%+5.2pp	138.3%+34.2pp	104.1%-1.8pp	105.9%+22.1pp	83.8%
Return on Equity	2.7%-0.1pp	2.8%-0.1pp	2.9%-0.0pp	3.0%+0.1pp	2.8%+0.7pp	2.1%+0.2pp	2.0%-1.1pp	3.1%
Return on Assets	0.3%-0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.200.0	8.20-0.2	8.37-0.3	8.62-0.2	8.81-0.2	9.03-0.0	9.05-0.2	9.24
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

What is Fulton Finl's annual revenue?

Fulton Finl (FULTP) reported $276.8M in total revenue for fiscal year 2025. This represents a -6.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Fulton Finl's revenue growing?

Fulton Finl (FULTP) revenue declined by 6.5% year-over-year, from $296.0M to $276.8M in fiscal year 2025.

Is Fulton Finl profitable?

Yes, Fulton Finl (FULTP) reported a net income of $391.6M in fiscal year 2025, with a net profit margin of 141.5%.

What is Fulton Finl's net profit margin?

Fulton Finl (FULTP) had a net profit margin of 141.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Fulton Finl pay dividends?

Yes, Fulton Finl (FULTP) paid $0.73 per share in dividends during fiscal year 2025.

What is Fulton Finl's return on equity (ROE)?

Fulton Finl (FULTP) has a return on equity of 11.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Fulton Finl's operating cash flow?

Fulton Finl (FULTP) generated $304.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Fulton Finl's total assets?

Fulton Finl (FULTP) had $32.1B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Fulton Finl buy back shares?

Yes, Fulton Finl (FULTP) spent $66.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Fulton Finl's debt-to-equity ratio?

Fulton Finl (FULTP) had a debt-to-equity ratio of 8.20 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Fulton Finl's return on assets (ROA)?

Fulton Finl (FULTP) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Fulton Finl's Piotroski F-Score?

Fulton Finl (FULTP) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Fulton Finl's earnings high quality?

Fulton Finl (FULTP) has an earnings quality ratio of 0.78x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Fulton Finl?

Fulton Finl (FULTP) scores 14 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.