Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Fulton FinancialFRA:FU5 -0.95%67 ROA % is 1.19% as of Mar. 2026, which is 16% above its 10-year median of 1.03. 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 1,528 Banks companies, Fulton Financial ranks better than 64.01% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Fulton Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was €328 Mil.
Fulton Financial's average Total Assets over the quarter that ended in Mar. 2026 was €27,657 Mil. Therefore, Fulton Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 1.19%.
The historical rank and industry rank for Fulton Financial's ROA % or its related term are showing as below:
FRA:FU5'
s ROA % Range Over the Past 10 Years
Min: 0.75 Med: 1.03 Max: 1.22
Current: 1.22
During the past 13 years, Fulton Financial's highest ROA % was 1.22%. The lowest was 0.75%. And the median was 1.03%.
FRA:FU5's ROA % is ranked better than 64.01% of 1528
companies
in the Banks industry
Industry Median: 1
vs FRA:FU5: 1.22
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Fulton Financial ROA % Related Terms
Fulton Financial ROA % Historical Data
* Premium members only.
The historical data trend for Fulton Financial's ROA % 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.
For the Banks - Regional subindustry, Fulton Financial's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Fulton Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Fulton Financial's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Fulton Financial (FRA:FU5) has a ROA % of 1.19% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Fulton Financial and its competitors. This is 16% above median its historical median of 1.03. Over the past decade, Fulton Financial's ROA % has ranged from 0.75 to 1.22. According to the industry distribution chart, Fulton Financial ranks #550 out of 1528 companies in the Banks industry, placing it in the top 36%.
Is Fulton Financial's ROA % too high?
Fulton Financial's current ROA % of 1.19% is 16% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 1.22. The Banks industry median ROA % is 1.00. Fulton Financial's value of 1.19% is 19% above this industry median. Based on the distribution chart, Fulton Financial ranks #550 out of 1528 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 ROA % compare to IBOC and SFBS?
According to the Banks industry distribution chart, Fulton Financial ranks #550 out of 1528 companies for ROA %. This puts Fulton Financial in the upper half of its industry. The industry median ROA % is 1.00. Fulton Financial's value of 1.19% is 19% above this benchmark. Historically, Fulton Financial's own ROA % has ranged from 0.75 to 1.22 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.00, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fulton Financial's current ROA % of 1.19% is 19% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Fulton Financial and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fulton Financial's current ROA % is 1.19%, which is 16% above median its own 10-year median of 1.03. 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 ROA % is 1.19%, which is 16% above median its 10-year median of 1.03 and 19% above the Banks industry median of 1.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Fulton Financial (FRA:FU5), the current ROA % is 1.19% 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:
ROA %: 1.19% (16% above median its 10-year median of 1.03)
GF Value™: €14.72 vs. price of €20.80 (41.3% above fair value)
Industry Position: 19% above the Banks median (#550 of 1528)
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
Get the complete analysis for FRA:FU5
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:FU5 has been successfully added to your 
