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Fulton Financial Corporation (FULT) Stock Analysis

Range Bound setup

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $21.65 — A.R:R is negative (-0.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: net interest income (79.0%).

Fulton Financial is a Pennsylvania-based bank holding company with Fulton Bank operating offices across PA, DE, MD, NJ, and VA, offering commercial banking, retail banking, and wealth management. Net interest income accounted for approximately 79% of total revenues in 2025.

$21.65+1.8% A.UpsideScore 5.3/10#121 of 142 Banks - Regional
Stop $20.49Target $22.04(resistance)A.R:R -0.8:1
Analyst target$23.50+8.5%6 analysts
$22.04our TP
$21.65price
$23.50mean
$25

Sell if holding. Analyst target reached at $21.65 — A.R:R is negative (-0.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: net interest income (79.0%). Chart setup: RSI 52 mid-range, Bollinger mid-band. Score 5.3/10, moderate confidence.

Passes 5/7 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 75d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (4/4)
Margin of safety: 32%
Risks
Concentration risk — Product: net interest income (79.0%)
Analyst target reached - limited upside remaining
Weak growth

Key Metrics

P/E (TTM)10.2
P/E (Fwd)9.1
Mkt Cap$4.1B
EV/EBITDA
Profit Mgn30.5%
ROE11.6%
Rev Growth4.2%
Beta0.82
Dividend3.55%
Rating analysts12

Quality Signals

Piotroski F7/9

Options Flow

P/C0.27bullish
IV262%elevated
Max Pain$3-88.5% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHProductnet interest income79%
    10-K Item 1A: 'Net interest income is the most significant component of our net income, accounting for approximately 79% of total revenues in 2025'
  • MEDIUMTenantcommercial mortgage loans41%
    10-K Item 1A: 'commercial mortgage loans represented approximately 41% of our loan portfolio'
  • LOWCustomerstate and municipal deposits13%
    10-K Item 1A: 'deposits from state and municipal entities ... representing approximately 13% of total deposits at December 31, 2025'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
2.8
Revenue Growth
3.6

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Volume
0.0
Obv
1.0
Macd
2.9
Rsi
5.5
Ma Position
9.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.7<4.5A.R:R -0.8=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 75d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
52 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $20.05Resistance $22.49

Price Targets

$20
$22
A.Upside+1.8%
A.R:R-0.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-5.6% upside)
! Momentum score 3.7/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-14 (75d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FULT stock a buy right now?

Sell if holding. Analyst target reached at $21.65 — A.R:R is negative (-0.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: net interest income (79.0%). Chart setup: RSI 52 mid-range, Bollinger mid-band. Prior stop was $20.49. Score 5.3/10, moderate confidence.

What is the FULT stock price target?

Take-profit target: $22.04 (+1.8% upside). Prior stop was $20.49. Stop-loss: $20.49.

What are the risks of investing in FULT?

Concentration risk — Product: net interest income (79.0%); Analyst target reached - limited upside remaining; Weak growth.

Is FULT overvalued or undervalued?

Fulton Financial Corporation trades at a P/E of 10.2 (forward 9.1). TrendMatrix value score: 7.0/10. Verdict: Sell.

What do analysts say about FULT?

12 analysts cover FULT with a consensus score of 3.9/5. Average price target: $24.

What does Fulton Financial Corporation do?Fulton Financial is a Pennsylvania-based bank holding company with Fulton Bank operating offices across PA, DE, MD, NJ,...

Fulton Financial is a Pennsylvania-based bank holding company with Fulton Bank operating offices across PA, DE, MD, NJ, and VA, offering commercial banking, retail banking, and wealth management. Net interest income accounted for approximately 79% of total revenues in 2025.

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