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Fulton FinancialFRA:FU5 -0.95%67 Net Margin % is 28.55% as of Mar. 2026, which is 11% above its 10-year median of 25.71. GuruFocus rates FRA:FU5 with a GF Score™ of 67/100 and a GF Value™ of €14.72 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,526 Banks companies, Fulton Financial ranks better than 56.42% on this metric.
Fulton Financial (FRA:FU5) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Fulton Financial Net Margin % Related Terms
Fulton Financial Net Margin % Historical Data
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The historical data trend for Fulton Financial's Net Margin % 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.
FRA:FU5 vs IBOC, SFBS, FFIN: Net Margin % Comparison
For the Banks - Regional subindustry, Fulton Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Fulton Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Fulton Financial's Net Margin % 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 (FRA:FU5) has a Net Margin % of 28.55% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Fulton Financial and its competitors. This is 11% above median its historical median of 25.71. Over the past decade, Fulton Financial's Net Margin % has ranged from 20.74 to 29.82. According to the industry distribution chart, Fulton Financial ranks #665 out of 1526 companies in the Banks industry, placing it in the top 43.6%.
Is Fulton Financial's Net Margin % too high?
Fulton Financial's current Net Margin % of 28.55% is 11% above median its 10-year median of 25.71. Over the past 10 years, this metric has ranged from a low of 20.74 to a high of 29.82. The Banks industry median Net Margin % is 27.06. Fulton Financial's value of 28.55% is 5.5% above this industry median. Based on the distribution chart, Fulton Financial ranks #665 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Fulton Financial has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fulton Financial's Net Margin % compare to IBOC and SFBS?
According to the Banks industry distribution chart, Fulton Financial ranks #665 out of 1526 companies for Net Margin %. This puts Fulton Financial in the upper half of its industry. The industry median Net Margin % is 27.06. Fulton Financial's value of 28.55% is 5.5% above this benchmark. Historically, Fulton Financial's own Net Margin % has ranged from 20.74 to 29.82 over the past decade. While the company's 10-year median is 25.71 vs. the industry median of 27.06, Fulton Financial has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fulton Financial's current Net Margin % of 28.55% is 5.5% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Fulton Financial and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fulton Financial's current Net Margin % is 28.55%, which is 11% above median its own 10-year median of 25.71. 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 (FRA:FU5) is currently considered Significantly Overvalued. The stock's GF Value™ is €14.72, compared to a current price of €20.80 — trading 41.3% above its estimated fair value. The current Net Margin % is 28.55%, which is 11% above median its 10-year median of 25.71 and 5.5% above the Banks industry median of 27.06. Fulton Financial's overall GF Score™ is 67/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Fulton Financial (FRA:FU5), the current Net Margin % is 28.55% as of Mar. 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 (FRA:FU5) Overvalued in 2026?
Based on GuruFocus' analysis, Fulton Financial stock appears to be overvalued.
The current stock price of €20.80 is trading 41.3% above its estimated GF Value™ of €14.72.
GuruFocus considers Fulton Financial to be Significantly Overvalued.
Key valuation signals for FRA:FU5:
Net Margin %: 28.55% (11% above median its 10-year median of 25.71)
GF Value™: €14.72 vs. price of €20.80 (41.3% above fair value)
Industry Position: 5.5% above the Banks median (#665 of 1526)
No single metric tells the full story. See the FRA:FU5 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.
67GF Score
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