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FULT

🏦 Financial Services

Fulton Financial Corporation

Conservative #117Aggressive #342Low RiskHigh 100
$21.23+0.28%
Day High$21.43
Day Low$21.09
Volume1.3M
Mkt Cap$3.8B
52W Low $1452W High $23
Market Cap
$4.0B
P/E Ratio
10.5
Sector avg: 49.4
Rev Growth
5.0%
Sector avg: 13.4%
Earnings Growth
35.6%
Profit Margin
20.7%
Sector avg: -2.8%
Debt/Equity
0.37

Why This Score

FULT scores 68.7 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • High net margin of 20.7%, indicating pricing power and operational efficiency.
  • Attractively valued at 10.5x earnings, below the market average.
  • Positive but moderate momentum (16%) — steady appreciation without overheating.
  • High conviction (100/100) — fundamental and ML signals agree on this stock.

No material penalties applied. FULT ranks #117 based on its factor profile and ML signal alignment.

Score Breakdown

Overall Score68.7
Fundamental Score68.0
ML Score52.0

Score by Horizon

3 Month
77.1
6 Month
86.2
Primary
1 Year
90.8

Quality Assessment

A
Earnings Grade
Strong fundamentals, high earnings quality

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
44
Neutral
Analyst (6.4%)
50
Neutral
Tradability (post-hoc)
92
Grade A
Base
64.9
SHAP
+1.9
Factors
+0.5
Conviction
+1.6
Divergence
-0.1
Final
68.7
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)71.0
Technical (Momentum, Weinstein, Volatility)79.0
External (Sentiment, Analyst, Macro)49.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+3.2% to +8.1%
Medium-term
+5.8% to +13.2%
Long-term
+8.3% to +18.3%

ML Model Core Features100 trained inputs → ML Score: 52

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score50.0/100
Target Upside-0.7%
Coverage20 analysts
Market Sentiment
Sentiment Score44.4/100
News Volume1 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.2%
6M Momentum+0.1%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+1.4%
Momentum ConsistencyStrong (0.91)
Relative Strength vs Sector+6.8%
Trend Strength (ADX Proxy)Moderate (2.4)
Momentum Quality+0.138
Momentum BreadthBroad ✓
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
18%
Moderate — watch growth
Sector RevGr Rank
P53
Revenue growth vs Financial Services peers
Sector PE Rank
P70
Valuation vs Financial Services peers
Sector FCF Rank
P56
Free cash flow vs Financial Services peers
Growth Deviation
+0.0σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 73 relative to sector peers73/100
Machine learning model ranks this stock at the 77th percentileP77
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +4.3pt (features align with model priorities)
Blend: 91% fund (73.1) + 9% ML (76.8) + SHAP(+4.3) = 77.7
Factor quality: +1.2pt (multi-factor composite)
Risk assessment: low. Annualized volatility 6.6%. Stability bonus of +8.9 points. Max drawdown 12% (-1.5 pts)Low
Market cap adjustment: +0.5 points ($4.0B market cap)+0.5 pts
Conviction bonus: +3.6pt (conviction=100)
Risk Factors
Earnings quality grade A: strong earnings quality and financial health. Score adjusted by -5 pointsGrade A
Quality concern: CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentalsFlag

Sector Peer Comparison(Financial Services — Rank #29 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
FULT68.710.55.0%20.7%$4.0B
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
TRMK75.611.934.8%19.3%$2.7B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
Sector Average45.849.413.4%-2.8%

Market Sentimentvia FMP

Analyst Consensus
Hold20 analysts
Buy: 2Hold: 16Sell: 2
Price Target
$21consensus
Low $21Median $21High $21
-1.1% to consensus target

Company Overviewvia FMP

Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company also offers secured consumer loans, including home equity loans and lines of credit, automobile loans, personal lines of credit, and checking account overdraft protection; construction and jumbo residential mortgage loans; and commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it provides letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns passive investments, as well as trust preferred securities; and sells various life insurance products. It provides its products and services through traditional financial center banking, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. The company operated branches in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia. Fulton Financial Corporation was incorporated in 1882 and is headquartered in Lancaster, Pennsylvania.

CEO
Curtis J. Myers
Employees
3,400
Beta
0.86
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
38.2
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-7.7%
High: $22.99
From 52W Low
+48.2%
Low: $14.33
Moving Averages
10-Day
$21.80
Below
20-Day
$21.70
Below
50-Day
$20.70
Above
200-Day
$18.90
Above
60-Day Support
$18.05
60-Day Resistance
$22.99
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 55/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+12.3%
200 SMA Slope (60d)
+4.35%
Rising
Volume Ratio
0.88x
10d avg vs 50d avg
Days in Stage
62
Confidence: 90%
Key Reversal Detected (2026-02-11)

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$472M$481M$472M$467M
Gross Profit$331M$324M$315M$304M
Operating Income$120M$128M$123M$115M
Net Income$99M$100M$99M$93M
EPS (Diluted)$0.53$0.53$0.53$0.49
Gross Margin70.3%67.4%66.8%65.2%
Operating Margin25.5%26.6%26.0%24.6%
Net Margin21.0%20.9%21.0%19.9%

Why This Stock

Financial ServicesP/E ratio of 10.5Profit margin 20.7%Valuation below sector median (P/E 10.5)

Tradability FilterGrade A — 92/100Score impact: +2.7pt

Volume
100
1.9M avg/day
Dollar Vol
93
$40M/day
Float
100
178M shares
Mkt Cap
65
$4.0B
Range
90
60% spread
Composite Liquidity Score92/100
FDCBA

Multi-Year Range Analysis

Sideways: 6/100
YearLowHighRangeStatus
2021$14.16$18.4126.1%Moderate
2022$13.72$19.1733.1%Moderate
2023$9.64$17.5057.9%Wide
2024$13.87$22.4947.4%Wide
2025$14.33$21.4039.6%Wide
3-Year Range
80%
Narrow Years
1 / 5
Sideways Penalty
None
Free Float
98.8%
Outstanding Shares
180M
Bid-Ask Spread
60.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.