NASDAQ$FULT

Fulton Financial Corp · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Reported solid first quarter results with operating earnings, deposit growth outpacing loan growth, stable net interest margin, and stable asset quality.

Fulton Financial Corporation reported a net income available to common shareholders of $59.4 million, or $0.36 per diluted share, for Q1 2024. Operating net income available to common shareholders was $65.4 million, or $0.40 per diluted share. Deposit growth outpaced loan growth, net interest margin was in line with expectations and asset quality remained stable.

  • Net income available to common shareholders decreased by 3.8% compared to the fourth quarter of 2023.
  • Operating net income available to common shareholders decreased by 5.0% compared to the fourth quarter of 2023.
  • Net interest income decreased due to slight decreases in average interest-earning assets and the net interest margin.
  • Non-interest income before investment securities gains (losses) decreased by 5.0% from the fourth quarter of 2023.

Headline financials

Total Revenue

$264M

Previous: $267M-1.2%
EPS

$0.36

Previous: $0.39-7.7%
Net interest margin

3.3%

Previous: 3.5%-5.9%
Return on avg. assets

0.9%

Previous: 1.0%-11.7%
Return on avg. common equity

9.3%

No prior period
Efficiency ratio

63.2%

Previous: 58.5%+8.0%
Non-performing loans to net loans

0.7%

No prior period
Tangible common equity ratio

7.4%

No prior period
Free Cash Flow

$61.9M

Previous: $68.3M-9.3%
Net Income

$61.9M

Previous: $68.3M-9.3%
Operating Income

$75.2M

Previous: $124M-39.1%
Gross Profit

$251M

Previous: $244M+2.9%
Cash & Equivalents

$357M

Previous: $567M-37.0%
Total Assets

$27.6B

Previous: $27.1B+2.0%
Stock-Based Comp

$667K

Previous: $1.67M-60.0%

Revenue & EPS history

Fulton Financial · Revenue · Quarterly

$264M

Q1 2024-1.2%vs Q1 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

This press release may contain forward-looking statements with respect to the Corporation’s financial condition, results of operations and business.

Tailwinds

  • Anticipated growth strategies
  • Descriptions of new business initiatives
  • descriptions of new business initiatives
  • expected levels of future expenses, including future credit losses
  • anticipated trends in the Corporation’s business or financial results.

Headwinds

  • These forward-looking statements may include projections of, or guidance on, the Corporation’s future financial performance
  • Forward-looking statements are neither historical facts, nor assurance of future performance.
  • Forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation’s control
  • actual results and financial condition may differ materially from those indicated in the forward-looking statements.
  • The Corporation undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+0.1%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+2.8%

Avg return

30 days after

46%

32 / 69 earnings

Positive

+9.7%

Q2 2024

Best reaction

-9.5%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.2%-0.5%-1.9%
Q4 2025+2.6%-0.6%+9.2%
Q3 2025-1.5%+0.4%+0.4%
Q2 2025-1.4%-1.0%+3.4%
Q1 2025-0.4%-1.8%+13.5%
Q4 2024-1.1%-1.4%-3.5%
Q3 2024+2.9%-0.3%+15.7%
Q2 2024+9.7%+9.2%-1.0%
Q1 2024-2.1%+1.3%+18.0%
Q4 2023-2.6%+1.4%+0.6%
Q3 2023+0.3%-2.3%+14.4%
Q2 2023+8.7%+7.8%+6.7%
Q1 2023-4.9%-6.9%-14.4%
Q4 2022-9.5%-7.1%+2.1%
Q3 2022-1.1%-1.8%+2.3%
Q2 2022+9.7%+9.5%+22.0%
Q1 2022+2.6%+1.8%-6.2%
Q4 2021-2.1%-5.6%-4.0%
Q3 2021+6.4%+4.9%+4.3%
Q2 2021+3.7%+2.0%+4.0%
Q1 2021-1.0%+1.1%+0.8%
Q4 2020+0.6%+1.9%+2.5%
Q3 2020+8.5%+10.7%+25.6%
Q2 2020+3.7%+4.1%-0.2%
Q1 2020-5.0%-2.2%-1.2%
Q4 2019-0.5%-0.2%-23.3%
Q3 2019+0.9%+1.7%+2.2%
Q2 2019+1.7%+2.7%-4.0%
Q1 2019+2.5%+1.2%+3.6%
Q4 2018+0.2%+1.1%+1.0%
Q3 2018+5.3%+2.4%+4.8%
Q2 2018+1.5%+5.4%+7.2%
Q1 2018-2.8%-2.8%-0.8%
Q4 2017-0.3%-2.7%+1.3%
Q3 2017-4.2%-3.9%-7.0%
Q2 2017-2.6%-4.8%-10.8%
Q1 2017+3.5%+6.3%+0.0%
Q4 2016-3.5%-3.7%+1.6%
Q3 2016+3.9%+4.2%+23.2%
Q2 2016-0.9%-0.9%+1.2%
Q1 2016+1.9%
Q4 2015+2.7%
Q3 2015+4.5%
Q2 2015-2.6%
Q1 2015+1.7%
Q4 2014-3.6%
Q3 2014+4.4%
Q2 2014-2.6%
Q1 2014+2.7%
Q4 2013+0.2%
Q3 2013+0.0%
Q2 2013+2.5%
Q1 2013-4.3%
Q4 2012-0.4%
Q3 2012-2.5%
Q2 2012-1.4%
Q1 2012-0.3%
Q4 2011+0.1%
Q3 2011-6.3%
Q2 2011-6.0%
Q1 2010+0.6%
Q1 2011+3.0%
Q4 2009-2.8%
Q4 2010-2.8%
Q4 2008-2.8%
Q3 2009-3.8%
Q3 2010-3.8%
Q2 2010-1.3%
Q2 2009-1.3%

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