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Fulton Financial (FULT) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
Fulton Financial (FULT) reported revenue of $335M for the third quarter 2025 (Q3 2025), +5% from a year earlier and +3% from the quarter before. Operating margin was 38.2%, net earnings $100M (30.0% of revenue).
Fulton Financial, Q3 2025: revenue $335M (+5% year over year), operating margin 38.2%, net earnings $100M, operating cash flow $116M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $335M | +3% | +5% |
| Operating profit | $128M | +4% | +60% |
| Net earnings | $100M | +1% | +59% |
| Operating cash flow | $116M | +26% | — |
What changed
Revenue was $334.6M in Q3 2025, up 5% year over year and up 3% from the previous quarter. Commercial banking was the largest line at 7% of revenue. Wealth management added $1.0M year over year (up 5%), 6% of the total change.
Operating profit was $127.8M, a 38.2% margin (up 13.1 points year over year). Of the extra revenue versus a year earlier, 284% reached operating profit, above the 25% margin then. Total costs fell 13% while revenue rose 5%. Net earnings were $100.5M, up 59% year over year. The effective tax rate was 21.4%.
Operating cash flow was $116.1M, 116% of net earnings. Non-cash charges added back $3.8M of share-based compensation. Working capital and other items added $11.8M.
Questions
What was Fulton Financial's revenue in the third quarter 2025?
Fulton Financial (FULT) reported revenue of $335M for the third quarter 2025 (Q3 2025), +5% from a year earlier and +3% from the quarter before.
Was Fulton Financial profitable in the third quarter 2025?
Operating profit was $128M (38.2% of revenue) and net earnings $100M.
Source: Fulton Financial 10-Q on SEC EDGAR.