Filing Flows › Fulton Financial (FULT) › Q2 2025
Fulton Financial (FULT) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
Fulton Financial (FULT) reported revenue of $324M for the second quarter 2025 (Q2 2025), -3% from a year earlier and +2% from the quarter before. Operating margin was 37.8%, net earnings $99.2M (30.6% of revenue).
Fulton Financial, Q2 2025: revenue $324M (-3% year over year), operating margin 37.8%, net earnings $99.2M, operating cash flow $91.7M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $324M | +2% | -3% |
| Operating profit | $123M | +7% | +19% |
| Net earnings | $99.2M | +7% | +4% |
| Operating cash flow | $91.7M | 131× | -42% |
What changed
Revenue was $324.1M in Q2 2025, down 3% year over year and up 2% from the previous quarter. Commercial banking was the largest line at 7% of revenue. Consumer banking lost $72K year over year (roughly flat), 1% of the total change.
Operating profit was $122.7M, a 37.8% margin (up 7.0 points year over year). Total costs fell 13% while revenue fell 3%. Net earnings were $99.2M, up 4% year over year. The effective tax rate was 19.1%.
Operating cash flow was $91.7M (down 42% year over year), 92% of net earnings. Non-cash charges added back $3.3M of share-based compensation. Working capital and other items used $10.7M.
Questions
What was Fulton Financial's revenue in the second quarter 2025?
Fulton Financial (FULT) reported revenue of $324M for the second quarter 2025 (Q2 2025), -3% from a year earlier and +2% from the quarter before.
Was Fulton Financial profitable in the second quarter 2025?
Operating profit was $123M (37.8% of revenue) and net earnings $99.2M.
Source: Fulton Financial 10-Q on SEC EDGAR.