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Market Price

16.37 

0.22 1.4%

as of Dec 12 '18

52 Week Range:

15.05 19.55


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Fulton Financial Corporation operates as a multi-bank financial holding company that provides banking and financial services to businesses and consumers. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company also offers consumer loans, including home equity loans and lines of credit, automobile loans, automobile and equipment leases, personal lines of credit, and checking account overdraft protection; construction and jumbo residential mortgage loans; and commercial lending products comprising commercial, financial, agricultural, and real estate loans. In addition, it provides equipment leasing, letters of credit, cash management services, and traditional deposit products; and investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns investment securities and other investments, as well as trust preferred securities; and sells various life insurance products. It provides its products and services through branch banking, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. As of January 18, 2018, the company operated 240 branches in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia. Fulton Financial Corporation was founded in 1882 and is headquartered in Lancaster, Pennsylvania.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 9.08
8.52
8.88
9.44
9.91
10.45
10.53
11.62
11.63
12.24
12.70
growth rate -6.2% 4.2% 6.3% 5.0% 5.5% 0.8% 10.4% 0.1% 5.3% 3.8%
Earnings BIT 216.25
18.95
89.33
172.74
196.41
217.45
212.93
256.60
242.74
245.88
270.17
growth rate -91.2% 371.4% 93.4% 13.7% 10.7% -2.1% 20.5% -5.4% 1.3% 9.9%
Avg.PE 12.76
-323.20
28.57
17.67
13.46
12.03
15.72
14.60
15.92
20.65
19.85
growth rate -100.0% 100.0% -38.2% -23.8% -10.6% 30.7% -7.1% 9.0% 29.7% -3.9%
ROA 0.99
-0.04
0.33
0.68
0.89
0.97
0.97
0.93
0.85
0.88
0.88
growth rate -100.0% 100.0% 106.1% 30.9% 9.0% 0.0% -4.1% -8.6% 3.5% 0.0%
ROE 9.88
-0.40
3.52
6.50
7.52
7.85
7.81
7.78
7.40
7.76
7.89
growth rate -100.0% 100.0% 84.7% 15.7% 4.4% -0.5% -0.4% -4.9% 4.9% 1.7%
ROIC 11.74
5.15
7.30
7.16
7.21
7.11
6.53
6.18
growth rate -56.1% 41.8% -1.9% 0.7% -1.4% -8.2% -5.4%
Leverage 10.11
10.86
10.62
8.66
8.22
7.94
8.21
8.58
8.77
8.93
8.99
growth rate 7.4% -2.2% -18.5% -5.1% -3.4% 3.4% 4.5% 2.2% 1.8% 0.7%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 51.10
45.79
44.04
41.82
42.77
46.29
52.91
growth rate -10.4% -3.8% -5.0% 2.3% 8.3% 14.3%
Acct.Payable 25.69
19.33
15.22
13,367.51
14,132.32
15,012.86
15,797.53
growth rate -24.7% -21.3% 87,740.1% 5.7% 6.2% 5.2%
Cur.Assets 557.76
437.18
485.56
541.36
growth rate -21.6% 11.1% 11.5%
Total Assets 16,185.10
16,635.60
16,275.30
16,370.51
16,533.10
16,934.63
17,124.77
17,914.72
18,944.25
20,036.91
growth rate 2.8% -2.2% 0.6% 1.0% 2.4% 1.1% 4.6% 5.8% 5.8%
Cash 348.00
301.10
232.30
3,147.90
3,222.34
3,035.14
8.70
10.02
118.76
108.29
growth rate -13.5% -22.9% 1,255.1% 2.4% -5.8% -99.7% 15.2% 1,085.3% -8.8%
Inventory 12.02
11.10
12.82
9.82
growth rate -7.7% 15.5% -23.4%
Cur.Liabilities 13,737.67
14,674.05
15,606.22
16,463.76
growth rate 6.8% 6.4% 5.5%
Liabilities 14,325.50
14,699.20
14,394.90
14,377.97
14,451.44
14,871.45
15,128.10
15,872.82
16,823.13
17,807.05
growth rate 2.6% -2.1% -0.1% 0.5% 2.9% 1.7% 4.9% 6.0% 5.9%
LT Debt 382.69
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
1,139.41
949.54
929.40
1,038.35
growth rate 424.7% 0.1% 0.1% 0.1% 0.1% 0.1% -43.4% -16.7% -2.1% 11.7%
Equity 1,574.92
1,859.60
1,936.50
1,880.40
1,992.54
2,081.66
2,063.19
1,996.67
2,041.89
2,121.12
2,229.86
growth rate 18.1% 4.1% -2.9% 6.0% 4.5% -0.9% -3.2% 2.3% 3.9% 5.1%
Common Shares 174.00
174.00
176.00
191.00
200.00
200.00
194.00
187.00
177.00
174.00
176.00
growth rate 0.0% 1.2% 8.5% 4.7% 0.0% -3.0% -3.6% -5.4% -1.7% 1.2%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 21.61
29.10
22.10
24.30
25.34
38.02
24.21
24.56
27.11
19.67
33.09
growth rate 34.7% -24.1% 10.0% 4.3% 50.1% -36.3% 1.5% 10.4% -27.4% 68.2%
Cash Dividends 103.12
104.00
58.90
35.00
33.92
71.97
46.53
64.03
65.36
69.38
80.37
growth rate 0.9% -43.4% -40.6% -3.1% 112.2% -35.4% 37.6% 2.1% 6.2% 15.8%
Cash From OA 304.69
194.70
182.60
284.80
371.19
294.51
301.62
210.71
177.54
185.41
258.83
growth rate -36.1% -6.2% 56.0% 30.3% -20.7% 2.4% -30.1% -15.7% 4.4% 39.6%
FCF per Share 1.63
0.95
0.91
1.36
1.62
1.29
1.53
1.07
0.95
0.89
1.22
growth rate -41.7% -4.2% 49.5% 19.1% -20.4% 18.6% -30.1% -11.2% -6.3% 37.1%
Sale Purchase of Stock 6.84
-13.35
-80.99
8.20
10.61
16.17
8.54
growth rate -100.0% 0.0% 100.0% 29.3% 52.4% -47.2%
FCF 283.00
166.00
160.00
261.00
347.00
258.00
277.00
186.00
150.00
166.00
226.00
growth rate -41.3% -3.6% 63.1% 33.0% -25.7% 7.4% -32.9% -19.4% 10.7% 36.1%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 636.77
635.20
696.80
741.10
881.19
863.91
797.35
669.75
679.58
697.77
754.93
growth rate -0.3% 9.7% 6.4% 18.9% -2.0% -7.7% -16.0% 1.5% 2.7% 8.2%
Op.Income 19.00
89.30
172.70
145.57
159.85
161.84
225.99
216.52
219.82
254.83
growth rate 370.0% 93.4% -15.7% 9.8% 1.3% 39.6% -4.2% 1.5% 15.9%
IBT 18.95
89.33
172.74
196.41
217.45
212.93
210.50
199.42
208.25
234.45
growth rate 371.4% 93.4% 13.7% 10.7% -2.1% -1.1% -5.3% 4.4% 12.6%
Net Income -5.60
73.90
128.30
145.57
159.85
161.84
157.89
149.50
161.63
171.75
growth rate 100.0% 73.6% 13.5% 9.8% 1.3% -2.4% -5.3% 8.1% 6.3%
EPS 0.88
-0.03
0.31
0.59
0.73
0.80
0.83
0.84
0.85
0.93
0.98
growth rate -100.0% 100.0% 90.3% 23.7% 9.6% 3.8% 1.2% 1.2% 9.4% 5.4%
Gross Profit 669.75
679.58
697.77
754.93
growth rate 1.5% 2.7% 8.2%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 63.97
70.23
69.68
66.48
growth rate 9.8% -0.8% -4.6%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 47.60
50.08
52.91
53.06
growth rate 5.2% 5.7% 0.3%
Acct.Payable 15,357.36
16,141.78
15,797.53
15,477.10
15,599.80
growth rate 5.1% -2.1% -2.0% 0.8%
Cur.Assets 589.27
815.99
541.36
447.03
558.60
growth rate 38.5% -33.7% -17.4% 25.0%
Total Assets 19,647.44
20,062.86
20,036.91
19,948.94
20,172.54
growth rate 2.1% -0.1% -0.4% 1.1%
Cash 94.94
99.80
108.29
100.15
99.74
growth rate 5.1% 8.5% -7.5% -0.4%
Inventory 11.43
10.54
9.82
10.74
11.18
growth rate -7.8% -6.8% 9.4% 4.1%
Cur.Liabilities 16,103.98
16,493.17
16,463.76
16,476.12
16,655.12
growth rate 2.4% -0.2% 0.1% 1.1%
Liabilities 17,455.67
17,837.07
17,807.05
17,713.45
17,926.75
growth rate 2.2% -0.2% -0.5% 1.2%
LT Debt 1,037.96
1,038.16
1,038.35
938.50
991.95
growth rate 0.0% 0.0% -9.6% 5.7%
Equity 2,191.77
2,225.79
2,229.86
2,235.49
2,245.79
growth rate 1.6% 0.2% 0.3% 0.5%
Common Shares 551.94
552.15
552.23
552.68
553.96
growth rate 0.0% 0.0% 0.1% 0.2%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 8.33
11.03
8.33
14.84
7.13
growth rate 32.5% -24.5% 78.1% -51.9%
Cash Dividends 19.21
19.24
24.51
19.33
21.05
growth rate 0.2% 27.4% -21.2% 8.9%
Cash From OA 10.44
119.48
64.38
71.83
63.01
growth rate 1,044.1% -46.1% 11.6% -12.3%
Sale Purchase of Stock 0.14
2.17
1.50
2.79
growth rate 1,459.0% -30.7% 85.9%
FCF 2.11
108.45
56.05
56.99
55.88
growth rate 5,030.1% -48.3% 1.7% -2.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 182.35
190.21
203.48
191.59
170.41
growth rate 4.3% 7.0% -5.9% -11.1%
Op.Income 55.61
64.56
75.42
59.52
41.36
growth rate 16.1% 16.8% -21.1% -30.5%
IBT 54.54
61.55
61.19
56.56
38.70
growth rate 12.9% -0.6% -7.6% -31.6%
Net Income 45.47
48.91
34.00
49.48
35.20
growth rate 7.6% -30.5% 45.5% -28.9%
EPS
growth rate
Gross Profit 182.35
190.21
203.48
191.59
170.41
growth rate 4.3% 7.0% -5.9% -11.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (34.74)

YOY Growth Grade:

E (28.40)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.95 17.23 11.67
EPS / Growth 5.8% 0.95 -2.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.9% 1.9%
Future PE 2.00 10.82 10.82
Future EPS 1.05 1.15 1.15
Value Price
MOS %
0.52
-96.8%
3.07
-81.2%
3.07
-81.2%
MOS Price 0.26 1.54 1.54
IRT 15.83 14.78 14.78

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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