Fulton Financial Corp (NASDAQ: FULT) is a regional bank holding company that provides commercial and consumer banking services across the Mid-Atlantic United States. It earns revenue primarily through net interest income on loans and deposits, supplemented by fee-based services. The corporation expanded its footprint through the acquisition of Republic First Bank, completed April 26, 2024. As of the 10-K filed February 27, 2026 covering fiscal year 2025, Fulton Financial maintained active share repurchase programs, including a 2026 Repurchase Program authorizing up to $150.0 million in common stock buybacks commencing January 1, 2026 and expiring January 31, 2027, with up to $25.0 million of that authorization available for preferred stock and subordinated notes. The corporation pays dividends and carries subordinated debt on its balance sheet. The filing confirms Fulton Financial is a well-known seasoned issuer under SEC Rule 405.

Revenue model

Net interest income from the spread between loan yields and deposit funding costs, supplemented by non-interest fee income from banking services. The corporation also holds available-for-sale investment securities.

Products and services

Commercial banking, consumer banking, deposit accounts, loan origination, and investment securities portfolio management. The corporation issues preferred stock and subordinated notes as part of its capital structure.

Customers and end markets

Commercial and consumer customers across the Mid-Atlantic region. The Republic First Transaction (April 26, 2024) expanded the customer base.

Value-chain role

Retail and commercial bank holding company. Deposit-funded lender operating through subsidiary bank branches in the Mid-Atlantic United States.

Geographic exposure

Mid-Atlantic United States, with expanded presence following the Republic First Bank acquisition completed April 26, 2024.

Source: SEC 10-K, filed 2026-02-27

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