Fulton Financial Insider Gifts Shares, Keeps Large Holding

Rhea-AI Filing Summary

On 08/07/2025 Fulton Financial Corp. (FULT) director E. Philip Wenger filed a Form 4 disclosing a Code G gift of 20,000 common shares at a reported value of $0.00. Following the transfer, Wenger still directly owns 579,102.0447 shares (including 121,296.5261 jointly held with his spouse) and holds an additional 95,477 shares via an IRA and 447.9853 shares for his children, keeping total beneficial ownership near 675k shares. The gift reduced his direct stake by roughly 3.4 % and represents a non-cash, non-market transaction; no derivative activity was reported. The filing contains no changes to his board role or indications of future trading plans. Given the modest size and charitable nature of the transaction, market impact is expected to be limited, though investors may note the slight decrease in insider ownership.

Positive

• Director retains a sizable 675k-share stake, maintaining strong alignment with shareholders.

Negative

• Direct ownership decreased by 20,000 shares, reflecting a 3.4 % reduction, albeit via non-cash gift.

Insights

Securities Analyst

TL;DR Small gift; ownership largely intact—neutral signal.

Gifts (Code G) are typically tax- or estate-planning moves rather than market-timing decisions. Wenger’s 20k-share transfer equals about 3.4 % of his direct holding and <1 % of FULT’s average daily volume, so liquidity impact is negligible. Post-transaction, he still controls a substantial 675k-share position, aligning his interests with shareholders. No options or sales were reported, and his board status remains unchanged. Overall, the filing is neutral for valuation and sentiment.

Insider Trade Summary

20,000 shares gifted

Mixed 3 txns

Insider Wenger E Philip

Role Director

Type	Security	Shares	Price	Value
Gift	$2.50 par value Common Stock	20,000	$0.00	--
holding	$2.50 par value Common Stock	--	--	--
holding	$2.50 par value Common Stock	--	--	--

Holdings After Transaction: $2.50 par value Common Stock — 579,102.045 shares (Direct); $2.50 par value Common Stock — 95,477 shares (Indirect, By IRA)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Wenger E Philip

(Last) (First) (Middle)

C/O FULTON FINANCIAL CORPORATION,

P.O. BOX 4887, ONE PENN SQUARE

(Street)

LANCASTER PA 17604

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FULTON FINANCIAL CORP [ FULT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/07/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
$2.50 par value Common Stock	08/07/2025		G		20,000	D	$0.00	579,102.0447(1)	D
$2.50 par value Common Stock								95,477	I	By IRA
$2.50 par value Common Stock								447.9853	I	Children

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Includes 121,296.5261 shares held jointly with spouse.

Remarks:

	Mark A. Crowe, Attorney-in-Fact	08/08/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

How many Fulton Financial (FULT) shares did Director Wenger transfer?

He gifted 20,000 common shares on 08/07/2025.

What is Wenger’s remaining direct ownership in FULT?

After the gift, he directly owns 579,102.0447 shares.

Were any derivative securities involved in this Form 4?

No, no derivative transactions were reported.

Does the Form 4 signal insider selling pressure on FULT stock?

Likely not; a Code G gift is non-cash and usually has minimal market impact.

What percentage of Wenger’s direct stake was transferred?

The 20k-share gift represents roughly 3.4 % of his direct holdings.