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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.
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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