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Sep 30, 2025
Fulton Financial Q3 2025 Earnings Report
Fulton Financial Corporation reported its third quarter 2025 results, with net income available to common shareholders reaching $97.9 million and operating net income available to common shareholders at $101.3 million.
Key Takeaways
Fulton Financial Corporation achieved a record operating net income of $101.3 million, or $0.55 per diluted share, in the third quarter of 2025. This performance was driven by a solid net interest margin of 3.57% and an increase in non-interest income, despite a rise in non-interest expenses.
Net income available to common shareholders for Q3 2025 was $97.9 million, or $0.53 per diluted share.
Operating net income available to common shareholders reached a record $101.3 million, or $0.55 per diluted share.
Net interest margin stood at 3.57%, with a four basis point decrease in total cost of funds compared to the prior quarter.
The common equity tier 1 capital ratio increased to approximately 11.5% from 11.3% in the previous quarter.
Forward Guidance
The report does not contain explicit forward-looking guidance in terms of specific financial targets or outlook for future quarters. It primarily focuses on past performance and general business strategies.
Positive Outlook
- Continued focus on serving as trusted advisors to customers.
- Deepening customer relationships to drive success.
- Commitment to the 2025 Repurchase Program, indicating confidence in stock value.
- Strategic management of loan and deposit portfolios.
- Strong capital ratios, providing financial stability.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- General economic uncertainties could impact future performance.
- Interest rate fluctuations may affect net interest margin.
- Increased competition in the banking sector could pressure growth.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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