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FULTFulton Financial CorporationSell5.4·$23.38+1.65%
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Fulton Financial Corporation (FULT) Stock Analysis

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. At $23.38, A.R:R is negative (-1.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and construction loans (63.0%); Concentration risk — Loan Portfolio: commercial mortgage loans (41.0%).

Fulton Financial Corporation is a Pennsylvania bank holding company operating Fulton Bank with 204 financial centers across PA, DE, MD, NJ, and VA, offering retail/commercial banking and wealth management. Net interest income accounted for approximately 79% of total revenues in... Read more

$23.38-1.5% A.UpsideScore 5.4/10#112 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.25%(5y avg 3.81%)Payout35.24%sustainable
Stop $22.22Target $23.01(resistance)A.R:R -1.0:1
Analyst target$23.43+0.2%7 analysts
$23.01our TP
$23.38price
$23.43mean
$22
$25

Sell if holding. At $23.38, A.R:R is negative (-1.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and construction loans (63.0%); Concentration risk — Loan Portfolio: commercial mortgage loans (41.0%). Chart setup: No clear chart pattern; technical signals are mixed. Score 5.4/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 30d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-14
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 14, 202630d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Positive momentum
Risks
Concentration risk — Loan Portfolio: commercial and construction loans (63.0%)
Concentration risk — Loan Portfolio: commercial mortgage loans (41.0%)
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)11.1
P/E (Fwd)9.9
Mkt Cap$4.5B
EV/EBITDA
Profit Mgn30.5%
ROE11.6%
Rev Growth4.2%
Beta0.82
Dividend3.25%
Rating analysts12

Quality Signals

Piotroski F8/9

Options Flow

P/C0.74neutral
IV99%elevated
Max Pain$23-3.8% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfoliocommercial and construction loans63%
    10-K Item 1A: 'approximately 63% of our loan portfolio consisted of commercial loans, commercial mortgage loans, and residential and commercial construction loans'
  • HIGHloan_portfoliocommercial mortgage loans41%
    10-K Item 1A: 'commercial mortgage loans represented approximately 41% of our loan portfolio'
  • MEDIUMloan_portfoliouninsured deposits36%
    10-K Item 1A: 'approximately 36% of our deposits (excluding Intra-Company deposits) were uninsured and we are dependent on these deposits for liquidity'
  • MEDIUMregulatoryOCC
    10-K Item 1: 'Fulton Bank is a national banking association chartered under the laws of the United States and is primarily regulated by the OCC.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

2 floor-breakers

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
2.8
Revenue Growth
3.6

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.0
Support Resistance
0.4
52w Position
9.9
GatesA.R:R -1.0=NEGATIVEMomentum 7.9>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 30d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
74 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $20.50Resistance $23.48

Price Targets

$22
$23
A.Upside-1.6%
A.R:R-1.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-12.7% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-14 (30d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FULT stock a buy right now?

Sell if holding. At $23.38, A.R:R is negative (-1.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and construction loans (63.0%); Concentration risk — Loan Portfolio: commercial mortgage loans (41.0%). Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $22.22. Score 5.4/10, moderate confidence.

What is the FULT stock price target?

Take-profit target: $23.01 (-1.5% upside). Prior stop was $22.22. Stop-loss: $22.22.

What are the risks of investing in FULT?

Concentration risk — Loan Portfolio: commercial and construction loans (63.0%); Concentration risk — Loan Portfolio: commercial mortgage loans (41.0%); Analyst target reached - limited upside remaining.

Is FULT overvalued or undervalued?

Fulton Financial Corporation trades at a P/E of 11.1 (forward 9.9). TrendMatrix value score: 6.6/10. Verdict: Sell.

What do analysts say about FULT?

12 analysts cover FULT with a consensus score of 3.9/5. Average price target: $23.

What does Fulton Financial Corporation do?Fulton Financial Corporation is a Pennsylvania bank holding company operating Fulton Bank with 204 financial centers...

Fulton Financial Corporation is a Pennsylvania bank holding company operating Fulton Bank with 204 financial centers across PA, DE, MD, NJ, and VA, offering retail/commercial banking and wealth management. Net interest income accounted for approximately 79% of total revenues in 2025; the bank is regulated by the OCC.

Related stocks: NIC (Nicolet Bankshares Inc.) · IFS (Intercorp Financial Services In) · GABC (German American Bancorp, Inc.) · CUBI (Customers Bancorp, Inc) · INTR (Inter & Co. Inc.)
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