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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2386
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$3.4B
E. Philip Wenger
Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company operated branches in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = FULT ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$FULT FULTON FINANCIAL CORP | 48 | 33 | 60 | 62 | 11.3x | 9.1x | 10.4% | 1.1% | 0.0% | 165.9% | 132.6% | -37.8% | 3.9% | 837.0x | $3.4B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
FULTON FINANCIAL CORP (FULT) receives a "Reduce" rating with a composite score of 47.6/100. It ranks #2386 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for FULT.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 33 | 56 | -23DRAG |
| MOMENTUM | 62 | 68 | -6DRAG |
| VALUATION | 60 | 83 | -23DRAG |
| INVESTMENT | 31 | 43 | -12DRAG |
| STABILITY | 47 | 45 | +2NEUTRAL |
| SHORT INT | 25 | 12 | +13ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 8.7% vs WACC 9.2% (spread -0.6%)
GM 0% vs sector 78%, OM 166% vs sector 18%
Capital turnover 0.06x
Rev growth -38%, 8yr history
Interest coverage 0.9x, Net debt/EBITDA 9.1x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate FULTON FINANCIAL CORP (FULT) as a Reduce with a composite score of 47.6/100 at a current price of $21.16. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
FULTON FINANCIAL CORP holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 47.6/100 places it at rank #2386 in our full universe.
The near-term outlook is constructive, with revenue growing at -38% and momentum in the 62th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Standard
Fair Value
Stable competitive position in a defensive sector.
Leverage of 837% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
FULTON FINANCIAL CORP represents a reduce based on multi-factor quantitative performance.
FULTON FINANCIAL CORP receives a Reduce rating from our analysis, with a composite score of 47.6/100 and 2 out of 5 stars, ranking #2386 out of 7,333 stocks. FULT's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
FULT's quality score of 33/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 10.4% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 132.6% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
FULT's value score of 60/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 11.32x, an EV/EBITDA of 9.05x, a P/B ratio of 1.18x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
FULTON FINANCIAL CORP's investment score of 31/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of -37.8% vs. a sector average of 10.7% and a return on assets of 1.1% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
FULT demonstrates moderate momentum with a score of 62/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at -37.8% year-over-year, while a beta of 1.05 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 47/100, FULT exhibits average financial resilience. Key stability metrics include a beta of 1.05 and a debt-to-equity ratio of 837.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
FULTON FINANCIAL CORP's short interest score of 25/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 837.00x). At $3.4B (mid-cap), FULT carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
FULT pays a solid dividend yield of 3.9%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
FULTON FINANCIAL CORP is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2386 of 7,333 overall (67th percentile). Key comparisons include ROE of 10.4% exceeding the 9.0% sector median and operating margins of 165.9% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While FULT currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Short Int. (25) would have the largest impact on the composite score.
EV/EBITDA 16% ABOVE SECTOR MEDIAN
ROE 16% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Fulton Financial Corporation (FULT) and Blue Foundry Bancorp (BLFY) jointly announced the receipt of all required regulatory approvals for the previously announced all-stock transaction pursuant to which Fulton will acquire Blue Foundry. Regulatory approvals have been granted by the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency. Blue Foundry’s stockholders approved the transaction on January 29, 2026. The transaction was announced on November
Fulton Financial Corporation (Nasdaq: FULT) ("Fulton") and Blue Foundry Bancorp (Nasdaq: BLFY) ("Blue Foundry") today jointly announced the receipt of all required regulatory approvals for the previously announced all-stock transaction pursuant to which Fulton will acquire Blue Foundry.
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Blue Foundry Bancorp will be acquired by Fulton Financial in an all-stock deal valued at $243 million, with each Blue Foundry share exchanged for 0.6500 Fulton shares. The merger is expected to close in Q2 2026 and strengthen Fulton's presence in the northern New Jersey market.
Fulton Financial Corporation will acquire Blue Foundry Bancorp in an all-stock transaction valued at $243 million, expanding Fulton's presence in northern New Jersey and expected to be accretive to earnings.