Fulton Financial (FULT) posts new strategy and 2025 guidance presentation

Rhea-AI Filing Summary

Fulton Financial Corporation filed a current report to notify investors that it has posted an updated corporate presentation on its Investor Relations website. The presentation, attached as Exhibit 99.1, provides an overview of Fulton's strategy, performance and includes management's 2025 operating guidance.

The materials are being furnished under Regulation FD and are not deemed filed or incorporated into other securities filings unless specifically referenced. Fulton highlights that the presentation contains forward-looking statements and directs investors to its recent annual and quarterly reports for a discussion of key risks and uncertainties.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

August 20, 2025

Date of Report (date of earliest event reported)

Fulton Financial Corporation

(Exact name of registrant as specified in its charter)

Pennsylvania

001-39680

23-2195389

(State or other jurisdiction of incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

One Penn Square,

P. O. Box 4887

Lancaster,

Pennsylvania

17604

(Address of Principal Executive Offices)

(Zip Code)

(717) 291-2411

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions see General Instruction A.2 below:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common stock, par value $2.50			FULT			The Nasdaq Stock Market, LLC
Depositary Shares, Each Representing 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A			FULTP			The Nasdaq Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

                                         Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

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Item 7.01 Regulation FD Disclosure.

On August 20, 2025, Fulton Financial Corporation ("Fulton") posted a new corporate presentation (the "Corporate Presentation") on its Investor Relations website at www.fultonbank.com. The Corporate Presentation, attached as Exhibit 99.1 and incorporated herein by reference, updates previous corporate presentations and provides an overview of Fulton's strategy and performance.

The information in this Current Report on Form 8-K (this "Current Report") provided under Item 7.01, including Exhibit 99.1, is being furnished and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act"), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Fulton under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

Forward-Looking Statements

This Current Report, including Exhibit 99.1, may contain forward-looking statements with respect to Fulton's financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as "may," "should," "will," "could," "estimates," "predicts," "potential," "continue," "anticipates," "believes," "plans," "expects," "future," "intends," "projects," the negative of these terms and other comparable terminology. These forward-looking statements may include projections of, or guidance on, Fulton's future financial performance, expected levels of future expenses, including future credit losses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in Fulton's business or financial results. Management's "2025 Operating Guidance" contained in Exhibit 99.1 is comprised of forward-looking statements.

Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, the statements are based on current beliefs, expectations and assumptions regarding the future of Fulton's business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of Fulton's control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. Fulton undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

A discussion of certain risks and uncertainties affecting Fulton, and some of the factors that could cause Fulton's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Forward-Looking Statements," "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in Fulton's Annual Report on Form 10-K for the year ended

December 31, 2024, Quarterly Report on Form 10-Q for the quarter ended March 31, 2025, Quarterly Report on Form 10-Q for the quarter ended June 30, 2025 and other current and periodic reports, which have been, or will be, filed with the Securities and Exchange Commission (the "SEC") and are, or will be, available in the Investor Relations section of Fulton's website (www.fultonbank.com) and on the SEC's website (www.sec.gov).

Item 9.01 Financial Statements and Exhibits.

(d)    Exhibits.

Exhibit No.			Description
99.1			Corporate Presentation

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: August 20, 2025			/s/ Richard S. Kraemer
			Richard S. Kraemer
			Senior Executive Vice President and
			Chief Financial Officer

FAQ

What did Fulton Financial (FULT) disclose in this 8-K filing?

Fulton Financial disclosed that it posted an updated corporate presentation on its Investor Relations website. The presentation, furnished as Exhibit 99.1, updates prior materials and provides an overview of strategy, performance, and management’s 2025 operating guidance for the company.

Where can investors find Fulton Financial’s new corporate presentation?

Investors can access Fulton Financial’s updated corporate presentation on the Investor Relations section of its website at www.fultonbank.com. The same presentation is also included as Exhibit 99.1 to this report, providing a convenient reference within the company’s SEC disclosures.

Does Fulton Financial’s 8-K say the corporate presentation is filed or furnished?

The report states that the corporate presentation is being furnished, not filed, under Regulation FD. This means it is not subject to Section 18 liability and is not incorporated into other securities filings unless specifically referenced by Fulton in those documents.

What forward-looking information does Fulton Financial reference in this 8-K?

Fulton notes that the presentation may contain forward-looking statements about financial condition, results, expenses, credit losses, growth strategies, new initiatives, and trends. It specifically identifies management’s 2025 operating guidance in Exhibit 99.1 as consisting of forward-looking statements subject to uncertainties.

How does Fulton Financial describe the risks around its forward-looking statements?

Fulton explains that forward-looking statements are based on current beliefs and assumptions, involve uncertainties, and may differ materially from actual results. It directs investors to risk and discussion sections in its latest Form 10-K and Forms 10-Q for more detail on factors that could affect outcomes.

Which prior Fulton Financial filings are referenced for risk factors and analysis?

The company references its Annual Report on Form 10-K for the year ended December 31, 2024, and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025 and June 30, 2025, along with other periodic reports available on its website and the SEC’s website.