Daniel Tamayo

Matthew Breese

David Bishop

Manuel Navas

Frank Schiraldi

Casey Hare

Christopher Marinac

David Conrad

Kyle Gierman

Andrew Steven Leischner

Chris McGratty

Christopher McGratty

David Konrad

- Fulton Financial reported strong Q3 2025 operating results with **$0.55 per share** in operating earnings and an operating return on assets (ROA) of **1.29%**.  **[0000700564_2195809_1]** **[0000700564_2195809_2]** 
- The company repurchased **1,650,000 shares** at a weighted average cost of **$18.67 per share** during the quarter, with **$86,000,000** remaining on the buyback authorization.  **[0000700564_2195809_1]** **[0000700564_2195809_3]** **[0000700564_2195809_6]** 
- Fulton updated its 2025 operating guidance, increasing net interest income to a range of **$1,025,000,000 to $1,035,000,000** and lowering provision expense to **$45,000,000 to $55,000,000**.  **[0000700564_2195809_3]** 
- Net interest income increased by **$9,300,000** linked quarter to **$264,200,000**, and net interest margin rose **10 basis points to 3.57%**.  **[0000700564_2195809_2]** 
- Loan growth for the quarter was **$29,000,000**, which was offset by **$600,000,000** in strategic actions year-to-date, with management expecting loan growth to return to long-term trends of **4% to 6%**.  **[0000700564_2195809_1]** **[0000700564_2195809_2]** **[0000700564_2195809_6]**

Fulton Financial Reports Strong Q3 2025 Operating Results and Updates 2025 Guidance

- Fulton Financial Corporation (FULT) reported strong Q3 2025 operating results, with **operating earnings of $0.55 per share** and **$101.3 million** in operating net income, driven by an **all-time high in total revenue** and an improved **efficiency ratio of 56.5%**.  **[0000700564_2195776_1]** **[0000700564_2195776_2]** 
- The company demonstrated robust capital management by repurchasing **1.65 million shares** at a weighted average cost of **$18.67 per share** and growing tangible book value per share by **18%** on a linked quarter annualized basis.  **[0000700564_2195776_1]** **[0000700564_2195776_3]** 
- FULT experienced deposit growth of **$194 million** and loan growth of **$29 million** in Q3 2025, noting that strategic actions year-to-date created a **$600 million headwind** to loan growth, which is expected to moderate.  **[0000700564_2195776_1]** **[0000700564_2195776_2]** 
- FULT updated its 2025 operating guidance, increasing net interest income to a range of **$1.025 billion to $1.035 billion** and tightening fee income to **$270 million to $280 million**, while lowering provision expense and operating expenses.  **[0000700564_2195776_3]**

Fulton Financial Corporation Reports Strong Q3 2025 Results and Updates 2025 Guidance

- Fulton Financial Corporation reported **net income available to common shareholders of $97.9 million**, or **$0.53 per diluted share**, for Q3 2025, alongside a **record operating net income of $101.3 million**, or **$0.55 per diluted share**.  **[700564_0000700564-25-000052_exhibit99193025earningsrel.htm:0]** **[700564_0000700564-25-000052_a3q25-irandearningsdeckf.htm:1]** 
- The company's **net interest margin (NIM) was 3.57%** in Q3 2025, marking a **ten basis point increase** compared to the prior quarter.  **[700564_0000700564-25-000052_a3q25-irandearningsdeckf.htm:1]** 
- During Q3 2025, Fulton repurchased **1,650,000 shares** of common stock for **$30.8 million**, with **$85.6 million** remaining under the 2025 Repurchase Program as of September 30, 2025.  **[700564_0000700564-25-000052_exhibit99193025earningsrel.htm:1]** 
- The **common equity tier 1 capital ratio improved to approximately 11.5%** in Q3 2025, up from 11.3% in the previous quarter.  **[700564_0000700564-25-000052_exhibit99193025earningsrel.htm:1]** 
- Fulton updated its 2025 operating guidance, **increasing the Non-FTE Net Interest Income range to $1.025 - $1.035 billion** and **lowering the Provision for Credit Losses range to $45 - $55 million**.  **[700564_0000700564-25-000052_a3q25-irandearningsdeckf.htm:3]**

Fulton Financial Corporation Announces Q3 2025 Results and Updates Guidance

- Fulton Financial Corporation reported **net income available to common shareholders** of **$97.9 million**, or **$0.53 per diluted share**, for the third quarter of 2025, an increase of **$1.3 million** compared to the second quarter of 2025.  **[700564_20251021NE03306:0]**  Operating net income available to common shareholders was a record **$101.3 million**, or **$0.55 per diluted share**, for the same period.  **[700564_20251021NE03306:0]** 
- The company's net interest margin was **3.57%** in the third quarter of 2025.  **[700564_20251021NE03306:0]** 
- Non-interest income increased by **$1.3 million** to **$70.4 million** compared to the prior quarter, while non-interest expense increased by **$3.8 million** to **$196.6 million**.  **[700564_20251021NE03306:0]** 
- The common equity tier 1 capital ratio increased to approximately **11.5%** as of September 30, 2025, up from 11.3% in the prior quarter.  **[700564_20251021NE03306:0]** 
- During the third quarter of 2025, **1,650,000 shares** of common stock were repurchased at a cost of **$30.8 million**, averaging **$18.67 per share**.  **[700564_20251021NE03306:0]**

Fulton Financial Corporation Announces Third Quarter 2025 Results

- Fulton Financial Corporation announced a quarterly cash dividend of **eighteen cents per share** on its common stock.  **[700564_20250916NE75225:0]** 
- This common stock dividend is payable on **October 15, 2025**, to shareholders of record as of **October 1, 2025**.  **[700564_20250916NE75225:0]** 
- A quarterly dividend of **$12.81 per share** (equivalent to **$0.32025 per depositary share**) was also declared for its Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A.  **[700564_20250916NE75225:0]** 
- The preferred stock dividend is payable on **October 15, 2025**, to shareholders of record as of **September 30, 2025**.  **[700564_20250916NE75225:0]**

FULTON FINANCIAL (FULT)