The Top 5 Analyst Questions That Stood Out During Fulton Financial’s Q4 Earnings Call

Fulton Financial Q4 Results: Strong Performance Drives Positive Market Response

Fulton Financial’s fourth-quarter earnings exceeded expectations, leading to a favorable reaction from investors. The company’s leadership credited this success to significant growth in deposits, careful cost management, and healthier credit conditions. CEO Curtis Myers emphasized the positive impact of new deposit strategies, pointing out a 25% rise in consumer demand deposit account openings and robust loan origination activity. The company’s expansion of its business banking teams and product lineup also contributed to these results. Additionally, noninterest income was boosted by increased commercial fees and gains in wealth management services.

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Key Highlights from Fulton Financial’s Q4 2025

• Total Revenue: $340.4 million, surpassing analyst projections of $335.7 million (4.3% year-over-year growth, 1.4% above estimates)
• Adjusted Earnings Per Share (EPS): $0.55, beating forecasts of $0.51 (7.8% above expectations)
• Adjusted Operating Income: $127.7 million, compared to the anticipated $138.7 million (operating margin of 37.5%, 7.9% below estimates)
• Market Value: $3.67 billion

While management’s prepared remarks are informative, the most revealing moments often come from analysts’ questions during earnings calls. These unscripted exchanges can surface issues or complexities that might otherwise go unaddressed. Here are some of the most notable questions from the latest call:

Top 5 Analyst Questions from the Q4 Earnings Call

• Daniel Tamayo (Raymond James): Asked about the measurable effects of easing portfolio headwinds and new lender hires on future loan growth. CEO Curtis Myers responded that eliminating the $800 million headwind for 2025 aligns Fulton Financial with its historical growth rates, and that additional hiring is expected to enhance productivity across business lines.
• Daniel Tamayo (Raymond James): Sought clarification on assumptions regarding loan paydowns and prepayments. Myers indicated that paydown activity should mirror historical trends, with 2025’s challenges largely stemming from unique portfolio repositioning actions.
• David Bishop (Hovde Group LLC): Inquired if recent hires would significantly alter the loan mix or if growth would be distributed across segments. Myers stated the company is targeting balanced growth across commercial real estate, commercial and industrial, and business banking, maintaining a diversified loan book.
• Matthew Breese (Stephens Inc.): Requested details on the composition and cost trends of deposit growth. Myers highlighted strong momentum in both consumer and business deposits, while CFO Richard Kraemer noted that the period-end deposit cost was 1.80%, slightly below the quarter’s average.
• Matthew Breese (Stephens Inc.): Asked about expectations for commercial interest rate swap income and variability in other fee categories. CFO Kraemer explained that swap income correlates with origination activity, and that equity method investment income can fluctuate, with a normalized level around $2.5 million per quarter.

Upcoming Catalysts to Watch

Looking ahead, analysts at StockStory will be monitoring several key factors: the pace and durability of loan growth as portfolio headwinds diminish, ongoing deposit inflows and effective management of funding costs, and the integration and early results from the Blue Foundry Bancorp acquisition. Continued expansion of fee-based businesses and maintaining strong credit quality will also be important areas of focus.

Fulton Financial shares are currently trading at $20.29, a slight decrease from $20.51 prior to the earnings announcement. Wondering if this presents a buying opportunity?

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