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Fulton Financial (FULT) investor relations material

Fulton Financial Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary22 Oct, 2025

Executive summary

  • Achieved record Q3 2025 operating net income of $101.3 million ($0.55 per share), reflecting strong profitability, disciplined growth, and benefits from strategic initiatives.

  • Total revenue reached an all-time high, driven by growth in net interest and fee income, with a diversified business model across commercial, retail, and wealth management.

  • Deposit growth outpaced loan growth, supported by targeted campaigns and seasonal municipal inflows.

  • Credit quality improved, with reductions in non-performing loans and charge-offs.

  • Focused on organizational efficiency and maintaining a solid balance sheet.

Financial highlights

  • Net interest income rose to $264.2 million, up $9.3 million sequentially; net interest margin increased 10 bps to 3.57%.

  • Non-interest income was $70.4 million, representing 21% of total revenue, with wealth management and commercial banking each contributing about one-third.

  • Operating efficiency ratio improved to 56.5% from 57.1% in Q2.

  • Return on average assets was 1.25% (GAAP) and 1.29% (operating); return on average tangible common equity was 15.79%.

  • Common equity tier 1 capital ratio rose to 11.5%; tangible book value per share reached $14.39.

Outlook and guidance

  • 2025 guidance: net interest income $1.025B–$1.035B; provision for credit losses $45M–$55M; non-interest income $270M–$280M; operating non-interest expense $750M–$760M; effective tax rate 19%–20%.

  • Expect loan growth to return to long-term trends (4%–6%), with initial focus on reaching 4%.

  • Guidance reflects anticipated Fed rate cuts and low single-digit asset growth.

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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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