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Fulton Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$294M in Q3 2026 · $605M over twelve months

Operating cash flow$294M
Free cash flow+$294M
Cash / net income2.5×

Analysis

In Q3 2026, Fulton Financial generated $294M of operating cash flow. That is $178M more than in Q3 2025 ($116M).

Over the twelve months to Sep 30, 2026, operating cash flow was $605M; the largest uses were net borrowing (+) / repaid (−) ($812M), other investing ($631M), dividends ($150M); besides operations, cash came from other financing ($1.3B), acquisitions ($142M); the cash balance rose by $299M.

Operating cash flow was $294M against net income of $117M — 2.5× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$156M, stock-based pay +$4.2M, gains on disposals −$857K.

Free cash flow

Fulton Financial: free cash flow by quarterFulton Financial: free cash flow by quarter$128MQ4 2024$703KQ1 2025$91.7MQ2 2025$116MQ3 2025$96.0MQ4 2025$115MQ1 2026$99.7MQ2 2026$294MQ3 2026
Operating cash flow less capital spending.
Fulton Financial: operating cash flow against capital spendingFulton Financial: operating cash flow against capital spendingOperating cash flowCapital spending$128M$0Q4 2024$703K$0Q1 2025$91.7M$0Q2 2025$116M$0Q3 2025$96.0M$0Q4 2025$115M$0Q1 2026$99.7M$0Q2 2026$294M$0Q3 2026
Latest (Q3 2026): Operating cash flow $294M, Capital spending $0.

Capital allocation, year by year

Fulton Financial: where the cash came from (up) and went (down), by fiscal yearFulton Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAcquisitionsBuybacksDividendsFY2021: Operating cash flow $338MFY2021: Net borrowing −$923MFY2021: Shares issued $7.4MFY2021: Acquisitions −$2.0MFY2021: Buybacks −$43.9MFY2021: Dividends −$112M$346MFY2021FY2022: Operating cash flow $595MFY2022: Net borrowing $1.5BFY2022: Shares issued $7.9MFY2022: Acquisitions −$21.8MFY2022: Dividends −$116M$2.2BFY2022FY2023: Operating cash flow $363MFY2023: Net borrowing −$384MFY2023: Shares issued $3.2MFY2023: Buybacks −$77.1MFY2023: Dividends −$116M$366MFY2023FY2024: Operating cash flow $417MFY2024: Net borrowing −$2.1BFY2024: Shares issued $271MFY2024: Acquisitions −$1.0BFY2024: Buybacks −$30.3MFY2024: Dividends −$132M$687MFY2024FY2025: Operating cash flow $304MFY2025: Net borrowing −$485MFY2025: Shares issued $7.7MFY2025: Buybacks −$66.0MFY2025: Dividends −$141M$312MFY2025
Over these 5 years operating cash flow totalled $2.0B; the largest uses were net borrowing ($3.9B) and acquisitions ($1.0B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$1.1B
Debtnone
Net cash$1.1B

Fulton Financial funds itself: free cash flow was $605M over the last twelve months, with $1.1B of cash and investments and no debt on the balance sheet.

Fulton Financial: debt maturities by year (FY2025)Fulton Financial: debt maturities by year (FY2025)$195MYear 5$175MAfter year 5
Principal due in each year as disclosed in the annual report, against $1.1B of cash and investments now.

Where the cash came from and went

Fulton Financial: sources (+) and uses (−) of cash, Q3 2026Fulton Financial: sources (+) and uses (−) of cash, Q3 2026Other financing$571MNet borrowing (+) / repaid (−)−$481MOther investing−$440MOperating cash flow$294MCash drawn (+) / kept (−)$150MBuybacks−$56.8MDividends−$38.9MShares issued$2.1M
Fulton Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Fulton Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$1.3BNet borrowing (+) / repaid (−)−$812MOther investing−$631MOperating cash flow$605MCash drawn (+) / kept (−)−$299MDividends−$150MAcquisitions$142MBuybacks−$120MShares issued$9.5M

From profit to cash

Fulton Financial: net income to operating cash flow, Q3 2026Fulton Financial: net income to operating cash flow, Q3 2026Net income$117MStock-based pay$4.2MGains on disposals−$857KPrepaid and other assets$156MOperating cash flow$294M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$294M−$56.8M−$38.9M−$481M$2.1M$150M$294M
Q2 2026$99.7M−$18.3M−$38.9M$83.4M$3.4M−$200M$99.7M
Q1 2026$115M−$24.6M−$36.7M−$44.9M$2.1M−$1.3M$115M
Q4 2025$96.0M−$19.9M−$35.1M−$175M$1.8M−$247M$96.0M
Q3 2025$116M−$31.0M−$35.3M−$302M$2.0M−$9.5M$116M
Q2 2025$91.7M−$14.5M−$35.4M$117M$2.4M$226M$91.7M
Q1 2025$703K−$550K−$35.4M−$125M$1.6M$33.4M$703K
Q4 2024$128M—−$35.6M−$79.4M−$24K$377M$128M

Fulton Financial: income statement and cash flow

Fulton Financial, Q3 2026: revenue $367M (+10% year over year), operating margin 39.4%. The chart follows the revenue to costs, profit and cash.

Fulton Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.