Q4 2025 Fulton Financial Corp Earnings Call Transcript

Jan 22, 2026 / 03:00 PM GMT

Release Date Price: $18.92 (+0.61%)

Transcript 8-K

Key Points

Positve

Fulton Financial Corp (FULT) achieved a record operating earnings per share of $2.16 for 2025.
Customer deposits grew by $449 million, with a 25% increase in consumer demand deposit account openings year over year.
The company maintained a strong net interest margin, ending the fourth quarter at 3.59% despite several Fed rate cuts.
Non-interest income grew by almost 7%, with commercial fees increasing by 8% and cash management revenue by 17%.
The acquisition of Blue Foundry Bancorp is expected to strengthen FULT's footprint and reinforce its community banking model.

Negative

Strategic actions in 2025 led to an $800 million headwind, impacting loan growth.
Operating expenses increased by 12.7 million linked-quarter, driven by higher accrual expenses related to variable compensation.
Municipal deposits decreased by $254 million during the quarter.
Loan yields declined by 11 basis points to 5.82% in the fourth quarter.
Provision expense was lower than expected, indicating potential concerns about future credit quality.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FULT.OQ - Fulton Financial Corp
Q4 2025 Fulton Financial Corp Earnings Call
Jan 22, 2026 / 03:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and thank you for standing by. Welcome to the Fulton Financial Fourth quarter 2025 results conference call. At this time, all participants are in listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press 11 on your telephone. You will then hear an automated message advising your hand is raised to withdraw your question, please press 11 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Pat Lafferty, investor relations manager. Please go ahead.

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