FULTON FINANCIAL CORP (FULT)
Financials · regional banks · NASDAQ
Fulton Financial is a regional financial holding company providing comprehensive commercial and retail banking services through Fulton Bank.
What FULTON FINANCIAL CORP does
Fulton Financial Corporation is a financial holding company that operates Fulton Bank, N.A. The company provides a range of banking, mortgage, and financial services to consumers and businesses primarily through its subsidiary bank. Its operations include commercial and retail banking, as well as wealth management and trust services.
Themes: regional banking, commercial lending, wealth management
Fundamentals
- Price$22.27 as of 2026-10-08 close
- Market cap$4.3B as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+20.3% 2025-10-08 close $18.51 → 2026-10-08 close $22.27
- P/E10.39 as of 2026-10-08
- ROE+11.2% FY2025, SEC XBRL
- Debt / equity0.30 as of 2026-09-03
- Beta1.03 as of 2026-09-03
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.2%; 3-year non-decreasing per-share dividend streak (SEC XBRL).
How FULT compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, FULT's dividend was covered by reported results (earnings payout 36%, operating-cash-flow payout 46%). This describes past coverage, not a forecast.
- Earnings payout36% dividends / net income
- Operating-cash-flow payout46% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How FULTON FINANCIAL CORP looks technically
FULTON FINANCIAL CORP (FULT) is trading 0.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 201 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 35, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 35, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 0.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +0.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $23.60 | $23.60 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $22.07 | $22.07 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 37 calendar days ago — the swings before that are what the structure reading is measured on | 37 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 23.75. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible downward five-wave sequence, in wave 4 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 201 trading days ago — a "golden cross", a bullish long-term signal | 201 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 35, with sellers in control | 34.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 35, neither overbought (above 70) nor oversold (below 30) | 35.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($21.85 to $23.60) — its "stochastic" reading is 24 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 24.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 16 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $25.23 | $25.23 |
|---|---|---|
| From the 52-week high | it is 11.7% below its 52-week high (its highest price of the past year) | -11.7% |
| Above the 52-week low | it is 34.2% above its 52-week low (its lowest price of the past year) | +34.2% |
| Below the 52-week high | it is 11.7% below its highest point of the past year | 11.7% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $25.23 (set on 2026-07-16) | $25.23 |
| Given back of the 52-week move | over the past year its closes ranged ($16.79 to $25.19), and it has given back roughly a third of its rise from last year’s low — 35% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $19.73 to $20.00. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 34.8% |
| From the all-time high | it is 11.7% below its all-time high | -11.7% |
| Nearest price level | it is trading 0.9% below a resistance level at $22.48 — a price it turned at twice since 2024-11-25, most recently on 2026-04-23. Since 2024-10-08 it has 9 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.9% |
| All-time low | its lowest closing price on record is $4.72 (set on 2009-07-21) | $4.72 |
| Above the all-time low | it is 371.8% above its all-time low | +371.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 67th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.4405 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.4405 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $22.03 and $23.94 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $22.03 – $22.98 – $23.94 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 0.5 daily ranges above its 200-day average price (0.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.5 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.91× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 4 sessions ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.4% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.4% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.8 percentage points (the stock lost 5.7% while the market gained 1.0%) | -6.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 9.7 percentage points (the stock lost 5.8% while the market gained 3.8%) | -9.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 10.2 percentage points (the stock gained 7.2% while the market gained 17.5%) | -10.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 5.3 percentage points (the stock gained 20.3% while the market gained 15.0%) | +5.3% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 6.5% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 0.8% of the share price, which is taken to mean a barrier that gives way easily. | -6.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 1% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $22.13 — a volume-weighted average of daily closes over 189 sessions, not a true tick-by-tick VWAP. | +0.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $23.67 — a volume-weighted average of daily closes over 56 sessions, not a true tick-by-tick VWAP. | -5.9% |
Price levels it has turned at before
FULT last closed at $22.27 on 2026-10-08. Since 2024-10-08 it has turned at 9 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $22.48 | Resistance | 0.9% above the last close | turned there twice · 2024-11-25 to 2026-04-23 |
| $21.67 | Support | 2.7% below the last close | turned there five times · 2024-11-11 to 2026-05-27 |
| $23.07 | Resistance | 3.6% above the last close | turned there twice · 2026-02-11 to 2026-09-01 |
| $21.02 | Support | 5.6% below the last close | turned there four times · 2025-02-07 to 2026-06-02 |
| $23.63 | Resistance | 6.1% above the last close | turned there twice · 2026-07-08 to 2026-07-23 |
| $20.43 | Support | 8.3% below the last close | turned there three times · 2024-11-20 to 2026-05-15 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $23.75.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
On past moves of this shape the leg has usually ended somewhere between $23.59 and $23.75 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 22 trading days, since 2026-09-09.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Near 200-day moving-average support · Trading above the 200-day moving average · Broke down to a new 20-day low · lagging the market · Printed a bullish engulfing pair · Least volatile (2% or less typical daily range) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.43 mean, 1=Strong Buy…5=Strong Sell) — 6 analysts
- Mean price target$26.42 range $25.00 – $28.50; median $26.00
Analyst estimates, as of 2026-10-09. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FULT
- Consensus EPS estimate$0.5486 next reporting period, as of 2026-10-09
- Estimate change, 30 days-$0.00286 (-0.5%) from $0.5514, on 2026-09-04, 35-day window
- Readings revised upward11% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Adverse conditions in the economy and financial markets, including elevated interest rates.","Increased competition for, and costs of, deposits and other funding sources.","More stringent regulatory requirements affecting the financial services industry."]
What changed in the latest 10-Q
AI-assisted comparison of FULT's 10-Q filed 2026-08-07 against the prior one filed 2026-05-08.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-07) states the Corporation provides services through 'wholly owned banking subsidiaries' (plural), reflecting the addition of Blue Foundry Bank.
- Newer filing (2026-08-07) adds a 'Debt Issuance and Redemption' section describing the May 2026 issuance of $300.0 million subordinated notes due May 15, 2036 at 5.95% fixed-to-floating rate, effective rate of 6.27%, net proceeds of approximately $296.0 million, and the June 2026 use of $195.0 million of proceeds to redeem the Subordinated Notes due 2030.
- Newer filing (2026-08-07) adds six-month results highlights: NIM of 3.59%, net interest income of $546.3 million, provision for credit losses of $19.3 million with ACL net loans of $382.6 million (1.48% of total net loans), non-interest income of $149.1 million, non-interest expense of $431.2 million, and repurchase of 1,737,650 shares at $35.6 million (average $20.51).
- Removed:
- Older filing (2026-05-08) stated Blue Foundry Bank was 'expected to be merged with and into Fulton Bank in the third quarter of 2026'; newer filing (2026-08-07) states the merger occurred on July 11, 2026, removing the forward-looking expectation language.
- Older filing (2026-05-08) presented a three-month summary table for periods ended March 31, 2026 and 2025, along with three-month results highlights for those periods; newer filing (2026-08-07) presents three-month and six-month tables and highlights for periods ended June 30.
- Reworded:
- Newer filing (2026-08-07) updates the Blue Foundry Bancorp section to include transaction details not in the older filing (2026-05-08): acquisition of approximately $2.1 billion of assets, assumption of approximately $1.8 billion of liabilities, goodwill of approximately $13.9 million, issuance of 12,435,551 shares of common stock, and states the Blue Foundry Bank merger with Fulton Bank occurred on July 11, 2026 at the time of systems conversion.
- Newer filing (2026-08-07) reports the summary table for the three months ended June 30 (net income $102,414, net income available to common shareholders $99,852, diluted EPS $0.52, etc.) and six months ended June 30 (net income $197,175, net income available to common shareholders $192,051, diluted EPS $1.02, etc.).
- Newer filing (2026-08-07) reports the Blue Foundry Merger completed on 'the Acquisition Date' with specifics, whereas older filing (2026-05-08) stated completion on April 1, 2026.
- Older filing (2026-05-08) said services provided through 'its wholly owned banking subsidiary'; newer filing (2026-08-07) changed to 'its wholly owned banking subsidiaries'.
- Notes:
- The newer MD&A section appears truncated at 'Critical Accounting Policies' and may not include the full document; comparisons are limited to the provided excerpt.
- Effective rate stated as 6.27% due to issuance costs is taken from the newer filing as written.
Risk Factors
- Notes:
- The newer filing text appears truncated after 'Part I,' and both texts are effectively identical up to that point.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 3 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 3 sells ($534373) — 3 selling insiders
- Last 180 days · read to 2026-10-040 buys · 5 sells ($1M) — 4 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-05. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FULT's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 3 matched disclosures for FULT from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
6 institutional 13F filers reported holding FULT as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 6
- Reported shares held 43,183,262
- Reported value $1,044,598,586
reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about FULT's institutional holders → See what each manager we track holds →
Short interest (FINRA)
FULT had 10,217,574 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
FULT had 5.35% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.97 days to cover at the same settlement.
- Reported short interest (shares) 10,217,574
- Short interest (% of shares outstanding) 5.35%
- Prior settlement (shares) 9,309,406
- Reported change 9.76%
- Days to cover (reported) 7.97
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- M&T Bank (MTB)
- PNC Financial Services Group (PNC)
- Citizens Financial Group (CFG)
- Huntington Bancshares (HBAN)
- KeyCorp (KEY)
- WSFS Financial (WSFS)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does FULTON FINANCIAL CORP (FULT) do?
Fulton Financial Corporation is a financial holding company that operates Fulton Bank, N.A. The company provides a range of banking, mortgage, and financial services to consumers and businesses primarily through its subsidiary bank. Its operations include commercial and retail banking, as well as wealth management and trust services.
What sector is FULTON FINANCIAL CORP (FULT) in?
FULTON FINANCIAL CORP (FULT) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does FULT pay a dividend?
Yes — FULTON FINANCIAL CORP (FULT) pays a dividend, with an indicated yield of about 3.25% and 3-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are FULTON FINANCIAL CORP's (FULT) competitors?
Notable peers of FULTON FINANCIAL CORP (FULT) include M&T Bank, PNC Financial Services Group, Citizens Financial Group, Huntington Bancshares and KeyCorp. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in FULT?
Yes — we hold 3 matched STOCK Act disclosures for FULT from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is FULTON FINANCIAL CORP (FULT) overbought or oversold right now?
FULTON FINANCIAL CORP (FULT) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 35, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FULT come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.