Inferra AI / Company / FULT

Fulton Financial Corp

FULT · Financials

Last earnings Oct 21, 2026

Key results

Net incomequarter

$97.9 million

htm EX-99.1 Document Exhibit 99.1 FULTON FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Media Contact Lacey Dean (717) 735-8688 Investor Contact Matt Jozwiak (717) 327-2657 Fulton Financial Corporation Announces 2025 Third Quarter Results (October 21, 2025) Lancaster, PA Fulton Financial Corporation (NASDAQ FULT) ( Fulton or the Corporation ) reported net income available to common shareholders of $97.9 million, or $0.53 per diluted share, for the third quarter of 2025, an increase of $1.3 million in comparison to the second quarter of 2025.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

We're proud to announce record operating net income surpassing $101 million, or $0.55 per diluted share, during the third quarter, said Curtis J.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

The following items highlight notable changes in the components of net income in the third quarter of 2025 compared to the second quarter of 2025 Net interest income totaled $264.2 million, an increase of $9.3 million.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Revenuequarter

$1.3 million

The $1.3 million increase was primarily due to increases of $0.4 million in wealth management revenues, $0.3 million in overdraft fee income and $0.3 million in consumer card income.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

revenue of approximately 21% Wealth management accounts for approximately 1/3 of total non-interest income, delivering a 9% 5-year CAGR

SEC original ↗Fulton Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025

EPSquarter

$0.55

diluted EPS of $0.55(3) Operating return on average assets of 1.29% (3) in 3Q25 compared to 1.30%(3) in 2Q25 3Q25 operating return on average tangible common shareholders equity of 15.79% (3) compared to 16.26%(3) in 2Q25 Efficiency ratio of 56.5%(3) and 57.1%(3) in 3Q25 and 2Q25

SEC original ↗Fulton Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025

AI analysis

Q3 2025 · reported Oct 21, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Revenue · Q3 2025

$1.3M

EX-99 · Oct 21, 2025

Diluted EPS · Q3 2025

$0.53

EX-99 · Oct 21, 2025

Net income · Q3 2025

$97.9M

EX-99 · Oct 21, 2025

EPS · Q3 2025

$0.55

EX-99 · Oct 21, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
Net income	$97.9 million	—	—
Revenue	$1.3 million	—	—
EPS	$0.55	—	—

EX-99 · Oct 21, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

During the third quarter of 2025, 1,650,000 shares of the Corporation's common stock were repurchased under the 2025 Repurchase Program (3) at a cost of $30.8 million or an average of $18.67 per share.

The value of common stock that may be repurchased under the 2025 Repurchase Program was $85.6 million as of September 30, 2025.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Fulton Financial Corp Q3 2025 — htm EX-99.1 Document Exhibit 99.1 FULTON FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Media Contact Lacey Dean (717) 735-8688 Investor Contact Matt Jozwiak (717) 327-2657 Fulton Financial Corporation A…

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

The value of common stock that may be repurchased under the 2025 Repurchase Program was $85.6 million as of September 30, 2025.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

An increase of $8.9 million in interest income on net loans and a $2.1 million decrease in interest expense on borrowings and other interest-bearing liabilities was partially offset by a $1.0 million increase in interest expense on deposits and a $0.6 million decrease in interest income on other interest-earning assets.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

(3) The 2025 Repurchase Program represents the authorization, commencing on January 1, 2025 and expiring on December 31, 2025, to repurchase up to $125 million of the Corporation s common stock.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Under this authorization, up to $25 million of the $125 million authorization may be used to repurchase the Corporation s preferred stock and outstanding subordinated notes due 2030.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

As permitted by securities laws and other legal requirements and subject to market conditions and other factors, purchases may be made from time to time under the 2025 Repurchase Program in open market or privately negotiated transactions, including without limitation, through accelerated share repurchase transactions.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Strategy & priorities

Our continued success is a result of our focus on serving as trusted advisors to our customers and deepening our customer relationships.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

These forward-looking statements may include projections of, or guidance on, the Corporation s future financial performance, expected levels of future expenses, including future credit losses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in the Corporation s business or financial results.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Instead, the statements are based on current beliefs, expectations and assumptions regarding the future of the Corporation s business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

9 Provision for Credit Losses Non-Performing Assets ( NPAs ) & NPAs to Assets Net Charge-offs ( NCOs ) and NCOs to Average Loans ACL(1) to Non-Performing Loans ( NPLs ) & Loans 10 Internal Capital Generation Enhancing Capital Ratios Increasing regulatory capital ratios provide operational and strategic flexibility Tangible capital increased linked quarter by $90 million, net of share repurchases(1) Accumulated other comprehensive income ( AOCI ) ended the quarter at ($228) million Current common dividend of $0.18 has doubled in the past ten years $85.6 million remaining share repurchase authorization in place through December 31, 2025(2) (1) Non-GAAP financial measure.

SEC original ↗Fulton Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025

With a Robust and Scalable Product Suite Well positioned to compete in and serve our market Significant technology spend over the past five years o New commercial origination system, new mortgage origination system, new mortgage loan servicing system, new consumer origination system, new customer relationship management system o Focus on digital enablement as a driver of growth, efficiency and service 15 16 We Do What Is Right Corporate Social Responsibility Our most recent Corporate Social Responsibility Report with key metrics is available at www.

SEC original ↗Fulton Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025

Risks & headwinds

Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation s control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements.

SEC original ↗Fulton Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Documents

Earnings deck slides

0 decks with slide view

Fulton Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors