---
schema_version: "secwatch.filing_event.v1"
accession: "0000700564-23-000004"
form_type: "8-K"
ticker: "FULT"
cik: "0000700564"
company_name: "FULTON FINANCIAL CORP"
filed_at: "2023-01-17T23:59:59+00:00"
generated_at: "2026-06-20T15:00:18.800896+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial Q4 net income $79.3M ($0.47 EPS); full year record $276.7M

## Summary
- Q4 net income available to common $79.3M ($0.47 diluted GAAP EPS); operating EPS $0.48. Full year $276.7M ($1.67), up 4.3% YoY.
- Net interest income $225.9M, NIM 3.69%, up 15 bps QoQ on higher rates and loan growth.
- Provision for credit losses $14.5M; net charge-offs $11.7M (0.23% of avg loans) led by commercial office loan charge-off.
- Non-performing assets $177.7M (0.66% of total assets), down from $198.6M in Q3.
- Prudential Bancorp acquisition closed July 1, 2022 contributed to record results; no specific 2023 guidance provided.

## SEC filing metadata
- accession: 0000700564-23-000004
- form_type: 8-K
- ticker: FULT
- cik: 0000700564
- company_name: FULTON FINANCIAL CORP
- filed_at: 2023-01-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/700564/000070056423000004/0000700564-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700564/000070056423000004/fult-20230117.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-23-000004
- JSON: https://secwatch.observer/filing/0000700564-23-000004.json
- Plain text: https://secwatch.observer/filing/0000700564-23-000004.txt

## Key facts
- Earnings Releases
  FULTON FINANCIAL CORP reported the year ended December 31, 2022 results: net income $276.7 million, EPS $1.67 per diluted share.
  - Period: the year ended December 31, 2022
  - Net income: $276.7 million
  - EPS: $1.67 per diluted share
  - Result: reported results
  source text: The Corporation reported net income available to common shareholders of $276.7 million, or $1.67 per diluted share, for the year ended December 31, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/700564/000070056423000004/0000700564-23-000004-index.htm
- Earnings Releases
  FULTON FINANCIAL CORP reported the fourth quarter of 2022 results: revenue $225.9 million, net income $79.3 million, EPS $0.47 per diluted share.
  - Period: the fourth quarter of 2022
  - Revenue: $225.9 million
  - Net income: $79.3 million
  - EPS: $0.47 per diluted share
  - Result: reported results
  source text: to common shareholders per share (diluted) (1) $0.48 (1) Non-GAAP financial measure. Net Interest Income and Balance Sheet Net interest income for the fourth quarter of 2022 was $225.9 million, an increase of $10.3 million in comparison to the third quarter of 2022. The net interest margin for the fourth quarter of 2022 increased 15 basis points, to 3.69%, in
  evidence_url: https://www.sec.gov/Archives/edgar/data/700564/000070056423000004/0000700564-23-000004-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.