Fulton Financial Corporation (FULT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Fulton Financial Corporation stock $18.79, price $23.76, that is 20.9% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Fulton Financial Corporation
FULT · USOur calculation puts a fair price 21% below what the stock costs today.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range $8.38 – $24.98 · fair‑value band $16.56 – $24.78 · the $23.76 price screens above the $18.79 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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Company profile
Fulton Financial Corporation operates as the bank holding company for Fulton Bank that provides banking and financial products and services in the United States. It provides various checking accounts and savings deposit products, and certificates of deposit.
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The company also offers consumer loans products, including home equity loans and lines of credit; construction and jumbo residential mortgage loans; automobile, student, and personal loans; account overdraft protection; commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans.
In addition, it offers letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services.
Further, the company owns trust preferred securities; and sells various life insurance products. It provides its products and services through financial center locations, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking.
The company was founded in 1882 and is headquartered in Lancaster, Pennsylvania.
Stock analysis
Fulton Financial Corporation (FULT) currently trades at $23.76, while our model-based Fair Value estimate is $18.79, 21% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $23.16 per share, and 1 of the 6 models we run sit above the $23.76 price.
Bear case: the Asset-Based group reads lowest at $10.10, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $16.56 (bear) to $24.78 (bull), the price of $23.76 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Fulton Financial Corporation reported revenue of $1.9B in FY2025 versus $997M in FY2021, a compound +17.4%/yr. Reported net income was $392M in FY2025, compounding +9.2%/yr from FY2021.
Key figures
Market cap $4.5B Mid · P/E ratio 11.4 · P/S ratio 3.34 · EPS (TTM) $2.09 · Dividend yield 3.2% · Net margin 29.7% · Return on equity 11.1% · Return on assets (EBIT) 1.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 45% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −21%, FULT screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors sold shares worth $534,420 and none bought.
- SaleLisa CrutchfieldDirector4,100 shares at $24.80$101,680Aug 5, 2026
- SaleAngela M SargentSEVP & Chief Info Officer12,562 shares at $24.84$312,040Aug 4, 2026
- SaleE Philip WengerDirector3× since Jan 12, 2026: 15,000 shares, avg. $21.70$325,550Jul 13, 202610b5-1 plan
- SaleCurtis J MyersChairman & CEO, Director30,748 shares at $21.26$653,702May 4, 202610b5-1 plan
Plus 11 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
FULT screens overvalued: fair value 21% below the price. Compare with China Merchants Bank Co →
Recent news
- Fulton Financial And 2 Dividend Stocks To Watch
- Fulton Financial And 2 Other Dividend Stocks To Watch
- Fulton Financial (FULT) Upgraded to Buy: Here's What You Should Know
- Fulton Financial (FULT) Stock Seems About Right After Its 114% Run
Compare Fulton Financial Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on equity by industry
- Quality Score by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FULT |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FULT |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FULT |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs FULT |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs FULT |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs FULT |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs FULT |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FULT |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FULT |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FULT |
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Frequently asked questions
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Key figures of Fulton Financial Corporation
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