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Fulton FinancialFULT -1.99%66 Cash-to-Debt is 0.73 as of Jun. 2026, which is 97% above its 10-year median of 0.37. GuruFocus rates FULT with a GF Score™ of 66/100 and a GF Value™ of $18.49 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,494 Banks companies, Fulton Financial ranks worse than 67.14% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Fulton Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.73.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Fulton Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Fulton Financial's Cash-to-Debt or its related term are showing as below:
FULT'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.37 Max: 2.64
Current: 0.73
During the past 13 years, Fulton Financial's highest Cash to Debt Ratio was 2.64. The lowest was 0.07. And the median was 0.37.
FULT's Cash-to-Debt is ranked worse than 67.14% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs FULT: 0.73
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Fulton Financial Cash-to-Debt Related Terms
Fulton Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Fulton Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Fulton Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fulton Financial Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Fulton Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Fulton Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fulton Financial (FULT) has a Cash-to-Debt of 0.73 as of Jun. 2026. This is 97% above median its historical median of 0.37. Over the past decade, Fulton Financial's Cash-to-Debt has ranged from 0.07 to 2.64. According to the industry distribution chart, Fulton Financial ranks #1003 out of 1494 companies in the Banks industry, placing it in the top 67.1%.
Is Fulton Financial's Cash-to-Debt too high?
Fulton Financial's current Cash-to-Debt of 0.73 is 97% above median its 10-year median of 0.37. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 2.64. The Banks industry median Cash-to-Debt is 1.38. Fulton Financial's value of 0.73 is 47.1% below this industry median. Based on the distribution chart, Fulton Financial ranks #1003 out of 1494 companies in the Banks industry, which is below the industry midpoint. Overall, Fulton Financial has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fulton Financial's Cash-to-Debt compare to IBOC and SFBS?
According to the Banks industry distribution chart, Fulton Financial ranks #1003 out of 1494 companies for Cash-to-Debt. This places Fulton Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Fulton Financial's value of 0.73 is 47.1% below this benchmark. Historically, Fulton Financial's own Cash-to-Debt has ranged from 0.07 to 2.64 over the past decade. While the company's 10-year median is 0.37 vs. the industry median of 1.38, Fulton Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fulton Financial's current Cash-to-Debt of 0.73 is 47.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fulton Financial's current Cash-to-Debt is 0.73, which is 97% above median its own 10-year median of 0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fulton Financial stock overvalued right now?
Based on GuruFocus' analysis, Fulton Financial (FULT) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.49, compared to a current price of $23.63 — trading 27.8% above its estimated fair value. The current Cash-to-Debt is 0.73, which is 97% above median its 10-year median of 0.37 and 47.1% below the Banks industry median of 1.38. Fulton Financial's overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Fulton Financial (FULT), the current Cash-to-Debt is 0.73 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Fulton Financial (FULT) Overvalued in 2026?
Based on GuruFocus' analysis, Fulton Financial stock appears to be overvalued.
The current stock price of $23.63 is trading 27.8% above its estimated GF Value™ of $18.49.
GuruFocus considers Fulton Financial to be Modestly Overvalued.
Key valuation signals for FULT:
Cash-to-Debt: 0.73 (97% above median its 10-year median of 0.37)
GF Value™: $18.49 vs. price of $23.63 (27.8% above fair value)
Industry Position: 47.1% below the Banks median (#1003 of 1494)
No single metric tells the full story. See the FULT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fulton Financial Corp is a U.S.-based financial services holding company that operates in five states: Pennsylvania, Delaware, Maryland, New Jersey and Virginia. It offers a range of consumer and commercial banking products and services, such as checking and savings deposit products and loan products. It offers consumer and commercial banking products and services, as well as wealth management products and services. The bank derives its revenue from non-interest income, led by its Wealth Management division.
66GF Score
Get the complete analysis for FULT
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