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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.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.
Why did professional fees increase?
Explain the decrease in time deposits.
What is driving the lower 2025 guidance?
What is driving the increase in expenses?
Elaborate on the M&A strategy.
Discuss the outlook for deposit costs.
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Next Fulton Financial earnings date
Q3 202522 Oct, 2025
Next Fulton Financial earnings date
Q3 202522 Oct, 2025
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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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