What is the 13F Pro Quality Score for FULT?

13F Pro ranks FULTON FINANCIAL CORP (FULT) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FULT's current score at https://13fpro.ai/research/FULT (free sign-up required for the full ranking).

Where does 13F Pro source FULT data?

All FULTON FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. FULTON FINANCIAL CORP files with the SEC under CIK 700564. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FULT in?

FULTON FINANCIAL CORP (FULT) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FULT research updated on 13F Pro?

FULT's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FULTON FINANCIAL CORP(FULT)Stock Analysis

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13F Pro Quality Score

52.1/100

Rank #1,357 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

12.8/100

Profitability

97.0/100

Balance Sheet

45.8/100

Earnings Quality

40.7/100

Free Cash Flow

96.5/100

Institutional Flow

24.4/100

Revenue Scale

28.3/100

Dilution Risk

26.4/100

FULT Stock Analysis & AI Quality Score

AI stock analysis and institutional research for FULTON FINANCIAL CORP (FULT), a Financials sector company. 13F Pro's AI-powered ranking engine scores FULT at 52.1/100 on a 32-signal composite quality model, placing it at rank #1,357 of 2,879 stocks — the top half of the AI-ranked universe. FULT scores in the top quartile across profitability (97.0), free cash flow (96.5). Areas of concern include revenue growth (12.8) and institutional flow (24.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 26.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), FULTON FINANCIAL CORP reports quarterly revenue of $331.9M, net income of $94.8M, an operating margin of 35.3%. Top institutional holders of FULT by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. FULT trades on the Nasdaq exchange and files with the SEC under CIK 700564. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FULT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FULTON FINANCIAL CORP directly from SEC EDGAR. FULTON FINANCIAL CORP's 13F Pro composite quality score has ranged between 52 and 61 since 2026, currently 52.1 — a declining long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about FULTON FINANCIAL CORP

Quirks, history, and lore behind FULT — the kind of stuff that makes a stock memorable.

1
The Basics
A regional bank holding company · mid-cap · listed on Nasdaq · headquartered in Pennsylvania.
2
The Numbers
Holds roughly $25–30 billion in total assets and operates well over 200 branch locations across the mid-Atlantic and Southeast — big enough to matter, small enough that Wall Street mostly ignores it.
3
The History
Traces its roots back to the late 1800s in Pennsylvania's Lancaster County, growing steadily through decades of community banking and regional acquisitions rather than flashy national expansion.
4
The Secret
Its business is refreshingly old-fashioned: commercial and consumer banking, mortgage lending, and wealth management — no crypto bets, no investment banking drama, just deposits and loans.
5
The Lore
The company operates through several community bank subsidiaries in Pennsylvania, New Jersey, Virginia, Maryland, and Delaware — a patchwork quilt of local bank brands stitched under one corporate roof.
6
The Giveaway
Its ticker rhymes with "adult," it's been anchoring Lancaster, Pennsylvania banking for generations, and its name sounds like a Founding Father could have signed a check there.

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Revenue

Q1 2026

$331.9M

Net Income

Q1 2026

$94.8M

Free Cash Flow

Q1 2026

$114.7M

Operating Margin

Q1 2026

35.3%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+29.6% YoY

$296.0MFY 2024

FY21 $240.2MFY22 $227.2MFY23 $228.4MFY24 $296.0M

Net Income

+1.6% YoY

$288.7MFY 2024

FY21 $275.5MFY22 $287.0MFY23 $284.3MFY24 $288.7M

EPS (Diluted)

-4.3% YoY

$1.57FY 2024

FY21 $1.62FY22 $1.67FY23 $1.64FY24 $1.57

Total Assets

+16.3% YoY

$32.07BFY 2024

FY21 $25.80BFY22 $26.93BFY23 $27.57BFY24 $32.07B

Total Debt

-28.4% YoY

$1.78BFY 2024

FY21 $1.04BFY22 $2.87BFY23 $2.49BFY24 $1.78B

Op. Cash Flow

+14.8% YoY

$416.6MFY 2024

FY21 $338.4MFY22 $594.8MFY23 $363.0MFY24 $416.6M

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Revenue	$296.0M +29.6%	$228.4M +0.6%	$227.2M -5.4%	$240.2M +6.1%	$226.3M +7.1%	$211.4M
Net Income	$288.7M +1.6%	$284.3M -0.9%	$287.0M +4.2%	$275.5M +54.7%	$178.0M -21.3%	$226.3M
EPS (Diluted)	$1.57 -4.3%	$1.64 -1.8%	$1.67 +3.1%	$1.62 +50.0%	$1.08 -20.0%	$1.35
Total Assets	$32.07B +16.3%	$27.57B +2.4%	$26.93B +4.4%	$25.80B -0.4%	$25.91B +18.4%	$21.89B
Total Debt	$1.78B -28.4%	$2.49B -13.4%	$2.87B +176.6%	$1.04B -46.1%	$1.93B +118.1%	$883.2M
Operating Cash Flow	$416.6M +14.8%	$363.0M -39.0%	$594.8M +75.8%	$338.4M +115.0%	$157.4M +23.2%	$127.7M

AI Insight: FULT Financial Trends

FULT's total debt has nearly halved from $2,179M in Q2 2024 to $1,253M in Q1 2026, while equity steadily climbed to $3,505M — a materially strengthening balance sheet.

• Total debt fell from $2,179M in Q2 2024 to $1,253M in Q1 2026, a 43% reduction over seven quarters.

• Equity expanded consistently from $3,102M in Q2 2024 to $3,505M in Q1 2026, adding $403M over the period.

• Net income stabilized in a $95M–$100M range from Q1 2025 through Q1 2026 after a dip to $63M in Q3 2024.

• Operating cash flow has been positive and ranged $92M–$128M over the last four quarters, following a $-22M dip in Q3 2024.

⚠ Revenue has been flat at $70M for four straight quarters — top-line growth appears stalled.

⚠ Net income dipped slightly from $100M in Q3 2025 to $95M in Q1 2026 — monitor for further softening.

⚠ Total debt ticked up from $1,657M to $1,774M in Q2 2025 before resuming its decline — debt trajectory warrants continued monitoring.

AI Insight: FULT Ratio Trends

FULT's leverage has nearly halved since Q2 2024 while ROIC more than doubled, signaling a meaningfully stronger capital position — though Q1 2026 shows early margin softness.

• D/E ratio fell from 0.70 in Q2 2024 to 0.36 in Q1 2026, nearly halving leverage over five quarters.

• ROIC expanded from 6.1% in Q3 2024 to a peak of 10.5% in Q3 2025, more than doubling off trough.

• OpMargin peaked at 181.5% in Q3 2025 and has since declined three consecutive quarters to 167.7% in Q1 2026.

• ROA held steady at 1.2% across Q2 2024, Q1 2025, Q2 2025, and Q1 2026, showing consistent asset productivity.

⚠ NPM slipped from 143.5% in Q2 2025 to 135.7% in Q1 2026 — three-quarter high-to-low decline worth monitoring.

⚠ ROE declined from 11.9% in Q2 2025 to 10.8% in Q1 2026; confirm whether seasonal or a structural reversal.

⚠ D/E stabilized near 0.36–0.37 in the last two periods; further deleveraging progress may be slowing.

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Available Research

13F Pro tracks comprehensive data for FULTON FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FULT

BlackRock, Inc.
$536.6M26,382,950 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$240.9M11,845,101 sh
DIMENSIONAL FUND ADVISORS LP
$227.3M11,177,001 sh
STATE STREET CORP
$211.2M10,381,820 sh
VANGUARD CAPITAL MANAGEMENT LLC
$165.4M8,132,580 sh
FIRST TRUST ADVISORS LP
$163.8M8,050,923 sh
AMERICAN CENTURY COMPANIES INC
$104.0M5,115,330 sh
GEODE CAPITAL MANAGEMENT, LLC
$96.3M4,735,709 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$86.6M4,256,403 sh
Fisher Asset Management, LLC
$60.6M2,978,863 sh

Fund	Value	Shares
BlackRock, Inc.	$536.6M	26,382,950
VANGUARD PORTFOLIO MANAGEMENT LLC	$240.9M	11,845,101
DIMENSIONAL FUND ADVISORS LP	$227.3M	11,177,001
STATE STREET CORP	$211.2M	10,381,820
VANGUARD CAPITAL MANAGEMENT LLC	$165.4M	8,132,580
FIRST TRUST ADVISORS LP	$163.8M	8,050,923
AMERICAN CENTURY COMPANIES INC	$104.0M	5,115,330
GEODE CAPITAL MANAGEMENT, LLC	$96.3M	4,735,709
FULLER & THALER ASSET MANAGEMENT, INC.	$86.6M	4,256,403
Fisher Asset Management, LLC	$60.6M	2,978,863

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Is FULT a good stock to buy?

13F Pro's AI-powered analysis of FULTON FINANCIAL CORP (FULT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FULT are available on the FULT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FULT?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FULT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FULTON FINANCIAL CORP's investment landscape.