FULT at a glance
FULTON FINANCIAL CORP (FULT, SEC CIK 700564) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 22, 2026 and Form 4 insider filings as recently as September 16, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FULTON FINANCIAL CORP (FULT) reported revenue of $276.8 million (down 6.5% from FY2024) and net income of $391.6 million. Diluted EPS was $2.08.
- As of June 30, 2026, 34 institutional investment managers tracked by SignalX reported holding FULTON FINANCIAL CORP (FULT) shares worth $2.5 billion in 13F-HR filings.
- In the last 90 days, FULT insiders reported 0 open-market purchases ($0) and 3 open-market sales ($534K) on Form 4, a net sale of $534K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $276.8M
- −6.5% vs prior year
- Insiders · 90 days
- 0 buys · 3 sells
- Net −$534K
- 13F holders
- 34 funds
- $2.5B · +1 vs prior quarter
- Latest 8-K
- Jul 22, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business mainly providing banking services through Fulton Bank subsidiary
- No new products, services, or segments introduced or emphasized in fiscal 2026
- Regulatory compliance focus on dividend payments from subsidiaries to parent company
- 180.0 million common shares outstanding, 53,242 record holders as of Feb 2, 2026
- Common stock trading on Nasdaq at $21.17 per share as of Feb 24, 2026
Risk Factors
- Regulatory risk from potential changes in GSE loan sale eligibility impacting secondary market sales and non-interest income, critical for liquidity and interest rate risk management
- Geopolitical exposure via local economies vulnerable to Russia-Ukraine war effects and Middle East tensions, limiting geographic diversification
- Operational vulnerability due to significant reliance on third-party vendors for core processing systems, increasing potential service disruptions
- Market disruption risk from increasing competition for deposits and loans amid rising interest rates and reduced demand for commercial real estate loans
- Financial risk from 36% uninsured deposits at Dec 31, 2025, subject to volatility from deposit withdrawals affecting liquidity and funding costs
Management Discussion & Analysis
- Revenue: Net interest income $1.04B in 2025, up $76M from $960.3M in 2024; Non-interest income $276.8M, up $1M YoY
- Profitability: Operating return on avg. assets 1.28% vs 1.11% in 2024; Operating return on avg. tangible common equity 15.7% vs 14.81%
- Segment: Banking core driver, NIM 3.51% vs 3.42% (best); No separate worst segment data provided
- Capital allocation: Repurchased 3.3M shares for $59.7M at $18.16/share; Non-interest expense down $28M to $791.8M; No dividend or capex figures disclosed
- Outlook: Merger with Blue Foundry expected close ~April 2026; Integration costs $1.1M in 2025; No explicit forward guidance or risk commentary
AI summary of the FULT 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $102.4M vs $99.2M YoY
- Net interest margin 3.60% vs 3.47% YoY
- Efficiency ratio 57.3% vs 57.1% YoY
- Net charge-offs 0.34% vs 0.20% YoY
- Blue Foundry acquisition added approximately $2.1B assets and $1.8B liabilities
Risk Factors
- No Risk Factors section provided; quarter-over-quarter risk changes cannot be assessed
- Repurchase-program risk: $150.0 million authorization expires January 31, 2027
- Capital-allocation risk: $35.6 million spent repurchasing 1,737,650 shares during six months ended June 30, 2026
- Regulatory-compliance risk: repurchases subject to securities laws, legal requirements, and market conditions
- Merger-execution risk: Blue Foundry Bancorp merger agreement dated November 24, 2025
AI summary of the FULT 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results for quarter ended June 30, 2026, released July 22, 2026
- Supplementary financial information provided in Exhibit 99.1 for detailed performance review
Item EX-99.1: Item EX-99.1
- Q2 2026 net income available to common shareholders $99.9M, or $0.52 diluted EPS; operating EPS $0.60
- Blue Foundry acquisition added $2.1B assets, $1.6B loans and $1.5B deposits; Fulton Bank merger completed July 11
Item 5.02: Departure/Appointment of Directors or Principal Officers
- David S. Schulz elected Fulton director effective September 14, 2026 through 2027 annual meeting
- Former Wesco CFO adds senior financial leadership to Fulton’s Board
Item 5.02: Departure/Appointment of Directors or Principal Officers
- George K. Martin retired from Fulton’s Board effective immediately after the May 28, 2026 annual meeting
- Departure reflected Fulton’s mandatory retirement policy for directors reaching age 72
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 10 director nominees elected to one-year terms, preserving board continuity
- Executive compensation approved in non-binding vote, with 136,017,805 votes for and 2,704,141 against
AI summaries of FULT 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FULT
Don't miss the next FULT filing
- Alerts as it files. A push when FULT files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut FULT, by share count.
- Ask anything. An AI agent that reads every FULT filing and answers with sources.
FULT alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Schulz David S. | A | Sep 14, 2026 | 2,840 | - |
| Kraemer Richard S | M | Sep 3, 2026 | 14,019.455 | - |
| Kraemer Richard S | M | Sep 3, 2026 | 14,019.455 | - |
| Kraemer Richard S | F | Sep 3, 2026 | 5,219 | $23.87 |
| Gremer Kevin C | M | Sep 2, 2026 | 2,666.105 | - |
| Gremer Kevin C | F | Sep 2, 2026 | 803 | $23.69 |
| Gremer Kevin C | M | Sep 2, 2026 | 2,666.105 | - |
| Mauriello Josephine E | M | Aug 29, 2026 | 420 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $228.4M | $296.0M | $276.8M | |
| Net Income | $284.3M | $288.7M | $391.6M | |
| Net Margin | 124.5% | 97.5% | 141.5% | |
| Balance Sheet | ||||
| Total Assets | $27.6B | $32.1B | $32.1B | |
| Equity | $2.8B | $3.2B | $3.5B | |
| ROE | 10.3% | 9.0% | 11.2% | |
| Per Share | ||||
| EPS | $1.64 | $1.57 | $2.08 | |
| Cash Flow | ||||
| Operating CF | $363.0M | $416.6M | $304.5M | |
Source: XBRL data in FULTON FINANCIAL CORP (FULT)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FULT share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 34 | $2.47B |
| Q1 2026 | 33 | $1.88B |
| Q4 2025 | 32 | $1.69B |
| Q3 2025 | 33 | $1.62B |
| Q2 2025 | 35 | $1.55B |
| Q1 2025 | 26 | $1.05B |
| Q4 2024 | 23 | $1.08B |
| Q3 2024 | 20 | $598.5M |
- T. Rowe Price Group+3.99M (+52%)
- BlackRock+1.59M (+6%)
- State Street Corp+776.8K (+7%)
- Citadel Advisors LLC+756.1K (+73%)
- Dimensional Fund Advisors+572.2K (+5%)
- Bank of America Corp−1.02M (-65%)
- JPMorgan Chase & Co−66.8K (-17%)
- AQR Capital Management−30.5K (-8%)
- Bridgewater Associates LP−28.2K (-11%)
- Raymond James Financial−21.8K (-23%)
- Mangrove Partners+129.1K
- Renaissance Technologies LLC+50.1K
- Allstate+19.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 236 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FULT filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| SC 13G | Aug 14, 2026 | - | - | |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | Jul 14, 2026 | - | - | - |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 8-K | May 28, 2026 | - | Analysis | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 5, 2026 | - | Analysis | - |
Related Financials companies
- ALRS · ALERUS FINANCIAL CORPNational Commercial Banks
- AMTB · Amerant Bancorp Inc.National Commercial Banks
- ATLO · AMES NATIONAL CORPNational Commercial Banks
- AROW · ARROW FINANCIAL CORPNational Commercial Banks
- BANC · BANC OF CALIFORNIA, INC.National Commercial Banks
- BANF · BANCFIRST CORP /OK/National Commercial Banks
- TBBK · Bancorp, Inc.National Commercial Banks
- BFC · Bank First CorpNational Commercial Banks
FULT SEC filings: frequently asked questions
Are FULT insiders buying or selling?
In the last 90 days, FULTON FINANCIAL CORP (FULT) officers, directors and 10% owners reported no open-market purchases and 3 open-market sales worth $534,373 by 3 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold FULT stock?
As of June 30, 2026, the largest FULTON FINANCIAL CORP (FULT) holders among the 13F filers tracked by SignalX were BlackRock ($676.7 million), Vanguard Portfolio Management LLC ($289.2 million), Dimensional Fund Advisors ($284.2 million), T. Rowe Price Group ($282.9 million), State Street Corp ($269.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FULT's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FULTON FINANCIAL CORP (FULT) reported revenue of $276.8 million (down 6.5% from FY2024) and net income of $391.6 million. Diluted EPS was $2.08. The figures come from the XBRL data in the 10-K.
What are the main risks in FULT's latest 10-K?
In the 10-K filed February 27, 2026, FULTON FINANCIAL CORP (FULT) flagged: Regulatory risk from potential changes in GSE loan sale eligibility impacting secondary market sales and non-interest income, critical for liquidity and interest rate risk management. Geopolitical exposure via local economies vulnerable to Russia-Ukraine war effects and Middle East tensions, limiting geographic diversification. (AI summary of the Risk Factors section.)
What did FULT report in its latest 8-K?
FULTON FINANCIAL CORP (FULT) filed an 8-K on July 22, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Q2 2026 results for quarter ended June 30, 2026, released July 22, 2026.
What are the latest FULT SEC filings?
FULTON FINANCIAL CORP (FULT) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 22, 2026 and a Form 4 insider filing on September 16, 2026.
What is FULT's SEC CIK number?
FULTON FINANCIAL CORP (FULT)'s SEC Central Index Key (CIK) is 700564. EDGAR lists every FULT filing under that number.
Ask anything about FULT
The research agent reads FULT's filings, financials, insider trades and 13F holders, then answers with sources.