Loading...
•
Dec 31, 2025
Fulton Financial Q4 2025 Earnings Report
Fulton Financial reported solid Q4 2025 results with stable EPS and resilient credit quality.
Key Takeaways
Fulton Financial posted net income of $96.4 million for Q4 2025, with an EPS of $0.53 and operating EPS of $0.55. The company maintained a strong net interest margin and saw a reduction in non-performing assets. Capital ratios improved slightly, and the efficiency ratio increased due to higher operating expenses.
Reported net income of $96.4 million and operating net income of $99.4 million
EPS of $0.53 and operating EPS of $0.55
Net interest margin improved to 3.59%
Allowance for credit losses stood at $364.5 million, or 1.51% of total net loans
Forward Guidance
Fulton Financial did not provide formal forward guidance but emphasized strategic investments, capital strength, and operational resilience heading into 2026.
Positive Outlook
- Strong capital ratios and balance sheet
- Stable net interest margin at 3.59%
- Increase in noninterest-bearing deposits
- Improvement in cost of funds by 13 basis points QoQ
- New $150M share repurchase program for 2026
Challenges Ahead
- Decrease in non-interest income compared to prior quarter
- Increase in non-interest expense, including incentive compensation and severance
- Slight decline in total investment securities
- Reduced allowance for credit losses
- Higher net charge-offs compared to Q3
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...