Fulton financial outlines 2025 guidance with focus on low-single digit loan growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 16 2025
0mins
Source: SeekingAlpha
Financial Performance: Fulton Financial Corporation reported an operating earnings per share of $0.52 for Q1 2025, with increased revenue and decreased operating expenses leading to a quarterly efficiency ratio of 56.7%. Customer deposits rose by $200 million, while total loans declined by $182 million due to strategic decisions.
Outlook and Risks: Management maintains cautious optimism for loan growth in the low-single-digit range amid macroeconomic uncertainties, while also highlighting potential headwinds from rate cuts and credit quality concerns, particularly in agriculture and manufacturing sectors.
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Analyst Views on FULT
Wall Street analysts forecast FULT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FULT is 21.00 USD with a low forecast of 21.00 USD and a high forecast of 21.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 20.200
Low
21.00
Averages
21.00
High
21.00
Current: 20.200
Low
21.00
Averages
21.00
High
21.00
About FULT
Fulton Financial Corporation is a financial holding company. Through its banking subsidiary, Fulton Bank (the Bank), the Company delivers financial services primarily within its five-state market area, comprising Pennsylvania, Delaware, Maryland, New Jersey and Virginia, in a personalized, community-oriented style that emphasizes relationship banking. The Bank offers a diversified suite of consumer banking products and services in its market area. The Bank’s consumer banking products and services include various checking account and savings deposit products and certificates of deposit. The Bank provides commercial banking products and services primarily to small- and medium-sized businesses. The Bank’s commercial lending products include commercial real estate loans, commercial and industrial loans and others. It offers wealth management services, which include investment management, trust, brokerage, insurance and investment advisory services, to consumer and commercial customers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Fulton Financial Corporation (FULT) Reports Q4 2025 EPS of $2.16
- Strong Performance: Fulton Financial Corporation reported operating earnings per share of $2.16 for 2025, reflecting successful execution of its community banking strategy and indicating potential for long-term shareholder value creation.
- Significant Deposit Growth: Customer deposits increased by $449 million, with a 25% year-over-year growth in consumer demand deposit account openings, attributed to enhanced deposit initiatives that further solidify market position.
- Loan Growth Outlook: Management anticipates a return to historical mid-single-digit loan growth rates in 2026, driven by new hires and strong loan origination momentum, showcasing confidence in future performance.
- Strategic Acquisition: The acquisition of Blue Foundry Bancorp aims to strengthen Fulton’s community banking model, expected to enhance market competitiveness and provide new business expansion opportunities.
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Fulton Financial (FULT) Q4 EPS Beats Expectations, Revenue Grows 5.1% YoY
- Earnings Beat: Fulton Financial reported a Q4 GAAP EPS of $0.53, exceeding expectations by $0.03, indicating robust profitability amidst competitive pressures.
- Revenue Growth: The company achieved revenue of $336 million in Q4, reflecting a 5.1% year-over-year increase, although it slightly missed analyst expectations by $0.9 million, highlighting market challenges.
- Market Performance: Despite the revenue miss, Fulton Financial's strong earnings showcase its resilience and adaptability in the current economic landscape, which may bolster investor confidence.
- Future Outlook: As market interest in Fulton Financial grows, investors will closely monitor its upcoming financial performance and strategic direction to assess its long-term potential in the financial services sector.
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