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Fulton Financial (FULT) investor relations material

Fulton Financial Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary16 Jul, 2025

Executive summary

  • Achieved record operating net income of $100.6M ($0.55 per share) in Q2 2025, up sequentially and year-over-year, reflecting strong profitability and disciplined growth.

  • Net income available to common shareholders was $96.6M ($0.53 per share), up from Q1 2025 and year-over-year.

  • Community banking strategy and strategic initiatives contributed to customer growth and bottom-line results.

  • Republic First Bank acquisition added $4.8B in assets, $5.6B in liabilities, and a $37.0M gain.

  • Tangible book value per share and return on average tangible common equity improved year-over-year.

Financial highlights

  • Net interest income rose to $254.9M, up $3.7M sequentially; net interest margin increased to 3.47%.

  • Non-interest income was $69.1M, up 7% sequentially, driven by commercial, consumer, and wealth management revenues.

  • Non-interest expense increased due to higher salaries, benefits, and professional fees.

  • Provision for credit losses was $8.6M for Q2 2025; allowance for credit losses at 1.57% of total loans.

  • Efficiency ratio improved to 57.1%; operating ROAA at 1.3%, and operating ROATCE at 16.26%.

Outlook and guidance

  • 2025 guidance: net interest income $1.005B–$1.050B, provision for credit losses $50M–$70M, non-interest income $265M–$280M, and operating non-interest expense $750M–$765M.

  • Effective tax rate expected at 18.5%–19.5%; guidance assumes two 25 bps Fed rate cuts and low single-digit loan growth.

  • No material impact expected from recent tax law changes; interest rate risk within policy limits.

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Frequently asked questions

Fulton Financial Corporation is a bank holding company offering personal and business banking, lending, and wealth management services through Fulton Bank. It operates a regional network of branches across Pennsylvania and surrounding states, delivering financial products through both in-person and digital channels. Fulton Financial Corporation is headquartered in Lancaster, Pennsylvania, and its shares are listed on the NASDAQ.

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