Is Fulton Financial Corporation (FULT) Overvalued?
We dive into why Fulton Financial Corporation (FULT) could be considered overvalued on 2026-07-29, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
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. 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.
Commentary & Analysis
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Financial Summary
| Share Statistics | FULT | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $4,650.3 | $716.9 | 66% |
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| Shares Out (Mil) | 181.7 | 15.7 | 75% |
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| Institutional Ownership | 98.3% | 83.0% | 78% |
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| Float (Mil) | 188.5 | 21.2 | 73% |
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| Beta | 0.80 | 0.48 | 47% |
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| Avg Daily Volume (000s) | 1,818 | 53 | 80% |
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| Price Change (52-week) |
34.1% | 96.7% | 71% |
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| Growth | FULT | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.0% | 7.6% | 58% |
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| Net Income (5yr) | 17.1% | 11.1% | 68% |
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| EPS (5yr) | 14.0% | 10.1% | 54 |
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| Dividends (5yr) | 7.0% | 3.6% | 74% |
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| Cash Flow (5yr) | (14.9%) | (17.0%) | 53% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 7 | 7 | 7 | |
| Current EPS | $0.550 | $2.196 | $2.353 | |
| Month Ago EPS | $0.557 | $2.194 | $2.370 | |
| # Rev Up | 0 | 1 | 1 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $0.555 | $2.193 | $2.365 | |
| Year/Year Chg | 7.8% | 5.6% | na | |
| Financials | FULT | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,290 | $190 | 54% |
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| Net Income (TTM) (Mil) | $393 | $51 | 76% |
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| EPS (TTM) | $2.117 | $2.500 | 73% |
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| Operating Cash Flow (TTM) (Mil) | $419 | $34 | 69% |
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| Net Cash Flow (TTM) (Mil) | $33 | $1 | 67% |
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| Long-Term Debt (Q1) (Mil) | $1,253 | $100 | 69% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FULT | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.31 | 1.27 | 34% |
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| P/E | 11.6 | 12.9 | 22% |
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| Dividend Yield | 3.1% | 2.2% | 85% |
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| PEG (5yr hist) | 0.8 | 1.1 | 38% |
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| Ratios | FULT | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 29.7% | 28.9% | 88% |
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| ROA | 1.2% | 1.0% | 49% |
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| ROE | 12.3% | 11.1% | 65% |
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| Liabilities to Assets | 89.1% | 89.8% | 84% |
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| F-Score | 6 | 4 | 69% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
GURU STRATEGY
Neff Screen
Factors: Value, Growth
An approach using a stringent contrarian viewpoint—finding undervalued, out-of-favor stocks in the bargain basement that have an optimistic future.
| Performance Since Inception: | 14.6% |
| +/- S&P 500: | +7.1 |
FACTOR STRATEGY
Value on the Move--PEG With Est Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 15.8% |
| +/- S&P 500: | +8.3 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.9% |
| +/- S&P 500: | +6.4 |
