---
schema_version: "secwatch.filing_event.v1"
accession: "0000700564-23-000006"
form_type: "8-K/A"
ticker: "FULT"
cik: "0000700564"
company_name: "FULTON FINANCIAL CORP"
filed_at: "2023-01-18T23:59:59+00:00"
generated_at: "2026-06-20T14:18:49.519667+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial Q4 EPS $0.47, up 16% QoQ; full-year record net income $276.7M

## Summary
- Diluted EPS $0.47 (GAAP), $0.48 operating; net income available to common $79.3M, up 16% QoQ.
- Net interest income $225.9M, NIM 3.69% (+15bp QoQ); provision for credit losses $14.5M.
- Non-performing assets $177.7M (0.66% of assets); net charge-offs $11.7M (0.23%) on commercial office loan.
- Non-interest income down 8.3% QoQ; non-interest expense (ex-mrg) up 2.5% QoQ; merger costs $1.9M.
- Amendment corrects footnote in 2023 outlook presentation; no change to press release.

## SEC filing metadata
- accession: 0000700564-23-000006
- form_type: 8-K/A
- ticker: FULT
- cik: 0000700564
- company_name: FULTON FINANCIAL CORP
- filed_at: 2023-01-18T23:59:59+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/700564/000070056423000006/0000700564-23-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700564/000070056423000006/fult-20230117.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-23-000006
- JSON: https://secwatch.observer/filing/0000700564-23-000006.json
- Plain text: https://secwatch.observer/filing/0000700564-23-000006.txt

## Key facts
- Earnings Releases
  FULTON FINANCIAL CORP reported financial results for the fourth quarter and year ended December 31, 2022.
  - Period: the fourth quarter and year ended December 31, 2022
  - Result: reported results
  source text: On January 17, 2023, Fulton Financial Corporation (the "Corporation") issued a press release (the "Press Release") announcing its results of operations for the fourth quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/700564/000070056423000006/0000700564-23-000006-index.htm

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