FULTON FINANCIAL CORP (FULT) FY2025 10-K Annual Report
FULTON FINANCIAL CORP (FULT) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
FULTON FINANCIAL CORP FY2025 10-K Analysis
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
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
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
FULTON FINANCIAL CORP FY2025 Key Financial MetricsXBRL
Revenue
$277M
▼ -6.5% YoY
Net Income
$392M
▲ +35.6% YoY
Net Margin
141.5%
▲ +4395bp YoY
ROE
11.2%
▲ +219bp YoY
Total Assets
$32.1B
▲ +0.1% YoY
EPS (Diluted)
$2.08
▲ +32.5% YoY
Operating Cash Flow
$304M
▼ -26.9% YoY
Source: XBRL data from FULTON FINANCIAL CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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