Fulton Financial Corporation (FULTP) 股票分析

公司概述

Fulton Financial Corporation functions as a bank holding company that provides a comprehensive suite of banking and financial products and services across the United States. The firm's operations primarily focus on offering various checking accounts, savings deposit products, certificates of deposit, and consumer loans to its customer base. This institution operates within the Financial Services sector, specifically categorized under the Banks - Regional industry, which characterizes its localized market footprint and operational scope. Regarding its scale, the available data indicates a market capitalization of N/A, with an annual revenue of $1.28 billion and an employee count of 3400. The absence of a specific market cap figure in the provided data suggests that valuation metrics may be derived through alternative methods or are not publicly disclosed in the current dataset, while the $1.28 billion revenue and 3400 employees demonstrate a substantial operational footprint consistent with a mid-sized regional banking entity.

财务健康

The company reported a revenue of $1.28 billion over the trailing twelve months, generating a net income of $381.36 million, while EBITDA figures are listed as N/A. The significant gap between the $1.28 billion revenue and the $381.36 million net income reveals a cost structure where operating expenses, including cost of goods sold which results in a 0.0% gross margin, are substantial relative to total revenue, a typical characteristic of the banking sector where interest income and fees drive profitability after overhead. The free cash flow is listed as N/A, which limits the ability to assess immediate financial flexibility through cash generation metrics, though the company holds $1.16 billion in cash against $1.62 billion in debt. The balance sheet analysis shows total cash of $1.16 billion versus total debt of $1.62 billion, with a debt-to-equity ratio listed as N/A, indicating that while the company carries debt, the specific leverage ratio is not disclosed in the current facts. The current ratio is listed as N/A, preventing a direct assessment of short-term liquidity relative to current liabilities based on the provided dataset. In terms of returns, the Return on Equity is 11.7% and the Return on Assets is 1.2%, metrics that reveal management effectiveness in generating shareholder value relative to equity invested and total assets utilized. The operating margin stands at 39.3% and the profit margin is 30.7%, figures that indicate a highly efficient core business model where a significant portion of revenue translates into bottom-line profit after accounting for all operating costs and interest expenses.

估值评估

The trailing P/E ratio is 11.78, while the forward P/E is listed as N/A, implying that the market is currently pricing the stock based on historical earnings rather than projecting a specific earnings trajectory through forward multiples in the available data. The price-to-book ratio is 1.01, which indicates that the market values the company's equity at approximately par value with no significant premium or discount relative to its book value per share. The price-to-sales ratio and EV/EBITDA are listed as N/A, suggesting that traditional alternative valuation metrics are either not applicable due to the nature of the financial data provided or are not disclosed for this specific reporting period. The 52-week high is $20.83 and the 52-week low is $17.25, providing a trading range within which the stock has fluctuated over the past year. Without a specific current price listed in the facts, the precise percentage deviation from the high or low cannot be calculated, but the range defines the historical volatility bounds for the security. The beta value is 0.82, which indicates that the stock's price volatility is lower than the broader market, suggesting it may move less aggressively than the overall market index during periods of fluctuation.

Growth & Income

The revenue growth year-over-year is 2.2%, while the earnings growth year-over-year is 46.5%, indicating that earnings are growing significantly faster than revenue, which often implies improving efficiency, favorable credit mix, or cost control measures. The company offers a dividend yield of 6.9%, with the payout ratio listed as N/A, meaning the sustainability of the dividend relative to current earnings multiples is not explicitly quantified in the provided facts. Given the N/A status of the payout ratio, it is not possible to determine the proportion of earnings distributed versus retained, though the high yield suggests a significant portion of earnings is returned to shareholders. The overall growth and income profile is characterized by moderate revenue expansion coupled with robust earnings acceleration and a substantial dividend yield, presenting a mixed picture of steady top-line growth and aggressive bottom-line performance alongside income generation.