Fulton Financial SEC Filings

Fulton Financial Corporation announced its results for the third quarter and nine months ended September 30, 2025, via a press release. The company will discuss these results on a conference call and webcast on October 22, 2025 at 10:00 a.m. Eastern time, with presentation materials available on its Investor Relations website.

Exhibit 99.1 (the press release with financial information) is deemed filed under the Exchange Act, while Exhibit 99.2 (the presentation materials) is furnished. The company included customary forward-looking statements and referenced risk factors in prior annual and quarterly reports.

Kevin C. Gremer, Senior Executive Vice President, Chief Operations & Technology Officer of Fulton Financial Corporation (ticker FULT), was granted 7,716 restricted stock units (RSUs) on 09/02/2025 under the Fulton Financial Corporation 2022 Amended and Restated Equity and Cash Incentive Compensation Plan. Each RSU represents a contingent right to one share of Fulton common stock (par value $2.50). The RSUs are reported as direct ownership and will be delivered as shares with accumulated dividend equivalents as they vest.

The RSUs vest in three equal installments: one-third on each anniversary of the grant date. The reported price for the derivative security is shown as $0.00 and the filing was signed by an attorney-in-fact on 09/18/2025.

Kevin C. Gremer, identified as a director and SEVP, Chief Operations & Tech of Fulton Financial Corp, submitted an initial Form 3 reporting that he does not beneficially own any common stock of the issuer. The filing records the reporting relationship to the company and confirms no direct or indirect ownership of the $2.50 par value common stock at the time of the statement.

Wenger E. Philip, a director of Fulton Financial Corporation (FULT), reported a sale of 5,000 shares on 09/12/2025 under a pre-established Rule 10b5-1 trading plan adopted June 13, 2025. The shares were sold through a broker-dealer at a weighted-average price of $19.2775, with prices in the range $19.200 to $19.320. The filing shows the reporting person retains indirect and direct holdings, including 90,477 shares held indirectly by an IRA and additional indirect holdings for children; it also discloses that 121,296.5261 shares are held jointly with the spouse. The Form 4 was signed by an attorney-in-fact on behalf of the reporting person on 09/12/2025.

Fulton Financial Corp (FULTP) filer submitted a Form 144/A reporting a proposed sale of 5,000 common shares through Raymond James & Associates with an aggregate market value of $96,750 and an approximate sale date of 09/12/2025 on NASDAQ. The filing shows the shares were acquired in employer 401(k) plans in 2001 and 2002. The filing also discloses several related sales in the past three months: 5,000 to an IRA on 07/25/2025 and three separate 5,000–10,000 share sales on 08/07/2025 with gross proceeds listed. The filer certifies no undisclosed material nonpublic information.

Richard S. Kraemer, Senior Executive Vice President & Chief Financial Officer of Fulton Financial Corporation (FULT), reported transactions dated 09/03/2025. The filing shows 13,524.6147 restricted stock units were recorded as acquired (Code M) at $0.00 and 5,034 shares were disposed (Code F) at $19.45, leaving 8,490.6147 shares held directly after the reported trades. The derivative table indicates 13,524.6147 restricted stock units underlying common stock were added and total beneficial ownership following the transactions is reported as 40,838.5038 shares. The form notes the original grant on 09/03/2024 of 39,042 restricted stock units that vest in three equal annual installments beginning 09/03/2025, with accumulated dividend equivalents. The form is signed by an attorney in fact on 09/05/2025.

Fulton Financial Corporation filed a shelf registration statement to offer, from time to time, common stock, preferred stock, depositary shares, senior and subordinated debt securities, warrants, purchase contracts and units. The shelf is an automatic registration for a well-known seasoned issuer and permits offerings in one or more transactions and combinations, with specific terms to be provided in prospectus supplements.

On a consolidated basis as of June 30, 2025, Fulton reported $32 billion of total assets, $24 billion of loans and leases (net), $26.1 billion of total deposits and $3.3 billion of shareholders' equity. The prospectus highlights key risk categories explicitly: interest rate and liquidity risk affecting net interest margin, credit concentration in commercial mortgage, commercial and industrial and construction loans, investment securities fair-value losses, regulatory and compliance risks, cybersecurity and vendor risks, potential goodwill impairment and acquisition/integration risks. The prospectus incorporates by reference Fulton’s recent periodic filings and describes distribution mechanics and indemnification and governance provisions.

Fulton Financial Corporation (FULT) reported solid second-quarter operating results for the quarter ended June 30, 2025, driven by higher net interest income and integration of the Republic First acquisition. Net income was $99,198 thousand for the quarter ($192,185 thousand for the six months), while net interest income rose to $254,921 thousand for the quarter. Total assets were $32,040,448 thousand and total deposits were $26,138,067 thousand, with net loans of $24,012,539 thousand. Shareholders' equity increased to $3,329,246 thousand.

The allowance for credit losses was $377,337 thousand and total non-performing loans were $212,891 thousand, with total non-performing assets of $215,597 thousand. The Republic First Transaction added approximately $4.80 billion of assets and generated a preliminary gain on acquisition of $36,996 thousand (net of tax). The company holds substantial unrealized investment securities losses (AFS unrealized losses ~$322,134 thousand and HTM unrealized losses ~$181,970 thousand), and estimates $13.9 million of AOCI reclassifications will reduce net interest income over the next 12 months.