Filing Flows › Fulton Financial (FULT) › Q4 2025
Fulton Financial (FULT) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
Fulton Financial (FULT) reported revenue of $336M for the fourth quarter 2025 (Q4 2025), +5% from a year earlier and +0.4% from the quarter before. Operating margin was 35.7%, net earnings $99.0M (29.5% of revenue).
Fulton Financial, Q4 2025: revenue $336M (+5% year over year), operating margin 35.7%, net earnings $99.0M, operating cash flow $96.0M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $336M | +0.4% | +5% |
| Operating profit | $120M | -6% | +39% |
| Net earnings | $99.0M | -1% | +44% |
| Operating cash flow | $96.0M | -17% | -25% |
What changed
Revenue was $336.0M in Q4 2025, up 5% year over year and roughly flat from the previous quarter. Commercial banking was the largest line at 7% of revenue.
Operating profit was $120.1M, a 35.7% margin (up 8.8 points year over year). Of the extra revenue versus a year earlier, 206% reached operating profit, above the 27% margin then. Total costs fell 7% while revenue rose 5%. Net earnings were $99.0M, up 44% year over year. The effective tax rate was 17.6%.
Operating cash flow was $96.0M (down 25% year over year), 97% of net earnings. Non-cash charges added back $4.3M of share-based compensation. Working capital and other items used $7.3M.
Questions
What was Fulton Financial's revenue in the fourth quarter 2025?
Fulton Financial (FULT) reported revenue of $336M for the fourth quarter 2025 (Q4 2025), +5% from a year earlier and +0.4% from the quarter before.
Was Fulton Financial profitable in the fourth quarter 2025?
Operating profit was $120M (35.7% of revenue) and net earnings $99.0M.
Source: Fulton Financial 10-K on SEC EDGAR.