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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.
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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