Fulton Financial (FULT) Q4 FY2025 earnings: revenue $336 million, up 5.1% on the year

Fulton Financial Corp. (FULT) reported revenue of $336 million for Q4 FY2025, the quarter ended 31 December 2025, up 5.1% on the same quarter a year earlier. Net income was $99 million, up 44.2% on the year, and diluted earnings per share $0.53. The figures are the company's own, from the 10-K it filed with the SEC on 27 February 2026.

Revenue$336 millionup 5.1%

Net income$99 millionup 44.2%

Diluted EPS$0.53

QuarterQ4 FY2025ended 31 December 2025

The quarter, against the one before and a year earlier

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Revenue	336	335	320	+5.1%
Pre-tax income	120	128	86.2	+39.2%
Income tax	21.1	27.3	17.6	+19.8%
Effective tax rate	17.6%	21.4%	20.4%
Net income	99.0	100	68.6	+44.2%
Net margin	29.5%	30.0%	21.5%
Diluted EPS	$0.53	$0.53	$0.36	+47.2%

$ million except per share.

Fourth quarters are the year less the first three quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Operating cash flow	96.0	116	128	-25.0%
Capital expenditure	5.9	0.7	41.2	-85.6%
Free cash flow	90.1	115	86.7	+3.9%
Cash from investing	122	65.4	-198	n/a
Cash from financing	29.1	-172	-306	n/a
Share-based compensation	4.3	3.8	3.6	+20.5%
Buybacks	19.9	31.0	0.0	n/a
Dividends paid	35.1	35.3	35.6	-1.4%
Dividend per share	n/a	$0.18	n/a	n/a
Diluted shares, weighted	n/a	183m	n/a	n/a
Shares outstanding at period end	180m	181m	182m	-1.2%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Shareholders' equity	3,490	3,414	3,197	+9.2%
Deposits	26,589	26,332	26,129	+1.8%
Debt	1,297	1,472	1,782	-27.2%
Other liabilities	741	777	963	-23.0%
Total liabilities and equity	32,118	31,995	32,072	+0.1%
Fixed assets	175	179	196	-10.4%
Goodwill	553	n/a	553	+0.0%
Intangible assets	n/a	n/a	82.1	n/a
Securities held for sale or to maturity	4,834	5,045	4,806	+0.6%
Cash and equivalents	1,062	814	1,064	-0.2%
Other assets	25,495	25,957	25,371	+0.5%
Total assets	32,118	31,995	32,072	+0.1%

Questions

What was Fulton Financial's revenue in Q4 FY2025?

Fulton Financial (FULT) reported revenue of $336 million for Q4 FY2025, the quarter ended 31 December 2025, up 5.1% on the same quarter a year earlier.

How much did Fulton Financial earn in Q4 FY2025?

Net income for Q4 FY2025 was $99 million, up 44.2% on the year, and diluted earnings per share $0.53.

When did Fulton Financial report Q4 FY2025 results?

Fulton Financial filed its 10-K for the year that ended with the quarter on 27 February 2026; the fourth quarter is the year less the first three.

Quarterly results, the last 12 quarters

	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	270	271	264	335	318	320	318	324	335	336	332	364
Interest expense	117	126	133	159	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	88.8	81.0	75.6	103	79.7	86.2	115	123	128	120	117	128
Tax rate	19%	21%	18%	8%	21%	20%	19%	19%	21%	18%	19%	20%
Net income	72.1	64.3	61.9	95.0	63.2	68.6	93.0	99.2	100	99.0	94.8	102
Net margin	27%	24%	23%	28%	20%	21%	29%	31%	30%	29%	29%	28%
Diluted EPS	$0.42	$0.37	$0.36	$0.52	$0.33	$0.36	$0.49	$0.53	$0.53	$0.53	$0.51	$0.52
Operating cash flow	203	-57.4	153	168	-32.4	128	0.7	91.7	116	96.0	115	99.7
Capital expenditure	6.8	15.1	1.8	1.8	n/a	41.2	9.4	4.1	0.7	5.9	1.5	6.1
Free cash flow	197	-72.5	151	166	n/a	86.7	-8.7	87.6	115	90.1	113	93.6
Buybacks	30.5	6.1	30.3	0.0	0.0	0.0	0.6	14.5	31.0	19.9	24.6	18.3
Dividends paid	30.2	30.4	28.7	35.2	32.2	35.6	35.4	35.4	35.3	35.1	36.7	38.9
Shares outstanding	164m	162m	182m	182m	182m	182m	182m	182m	181m	180m	191m	191m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Source

10-K for the period ended 31 December 2025, filed 27 February 2026, accession 0000700564-26-000006: the filing on EDGAR. All of Fulton Financial Corp.'s filings: EDGAR company page.

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