Fulton Financial SEC Filings

Fulton Financial Corporation has agreed to acquire Blue Foundry Bancorp in an all-stock merger. Each share of Blue Foundry common stock will be exchanged for 0.6500 shares of Fulton common stock, valuing the deal at about $243 million, or $11.67 per Blue Foundry share, based on Fulton’s $17.96 share price as of November 21, 2025. The companies expect the transaction to be accretive to Fulton’s first full-year earnings per share by over 5%, immediately accretive to tangible book value per share, and neutral to regulatory capital ratios at closing.

The merger expands Fulton’s footprint in the northern New Jersey market, with Blue Foundry Bank to be merged into Fulton Bank, N.A. after closing, which is targeted for the second quarter of 2026, subject to regulatory and Blue Foundry stockholder approvals. Fulton will also contribute $1.5 million to its Fulton Forward® Foundation for New Jersey community grants. As of September 30, 2025, Fulton reported $31.995 billion in total assets, a tangible common equity to tangible assets ratio of 8.3%, and a 15.8% operating return on average tangible common shareholders’ equity.

Fulton Financial Corporation filed a Form 8-K announcing that it has entered into an Agreement and Plan of Merger to acquire Blue Foundry Bancorp. Blue Foundry will merge with and into Fulton, and afterward Blue Foundry Bank will merge with and into Fulton Bank, N.A., with Fulton and Fulton Bank each surviving their respective mergers.

Fulton issued a press release and an investor presentation on November 24, 2025, describing the proposed business combination and its expected strategic and financial benefits, including anticipated accretion to earnings per share and other metrics. Fulton plans to register shares of its common stock to be issued in the transaction on a Form S-4, which will include a joint proxy statement/prospectus for Blue Foundry stockholders.

Fulton Financial Corporation reported stronger quarterly results. For the three months ended September 30, 2025, net income was $100,454 and diluted EPS was $0.53, up from $63,206 and $0.33 a year ago. Net interest income rose to $264,198 as deposit and borrowing costs declined, while the provision for credit losses decreased to $10,245. Non‑interest expense fell to $196,574, reflecting lower staffing, processing, and outside service costs.

Total deposits were $26,332,490 and total borrowings were $1,471,961 as of September 30, 2025. Net loans stood at $23,665,231. Shareholders’ equity increased to $3,413,598, aided by a narrower accumulated other comprehensive loss of $(227,542). Net income available to common shareholders was $97,892, and cash dividends were $0.18 per share in the quarter. Common shares outstanding were 180,593,797 as of October 30, 2025.

Fulton Financial Corporation filed a Form S-8 to register an additional 2,000,000 shares of its common stock, par value $2.50 per share, for issuance under the Fulton Financial Corporation 401(k) Retirement Plan.

The filing incorporates by reference the company’s Form 10-K for the year ended December 31, 2024, Forms 10-Q for the quarters ended March 31, 2025 and June 30, 2025, specified Forms 8-K, and the 2025 Definitive Proxy Statement. Exhibits include a legal opinion from Holland & Knight LLP and a consent from KPMG LLP.

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.