{"schema_version":"secwatch.filing_event.v1","accession":"0000700564-24-000005","form_type":"8-K","ticker":"FULT","cik":"0000700564","company_name":"FULTON FINANCIAL CORP","filed_at":"2024-01-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.691148+00:00","generated_at":"2026-06-06T23:35:12.215219+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Fulton Financial Q4 net income $61.7M ($0.37 EPS); operating EPS $0.42; FDIC special charge $6.5M","bullets":["Net income available to common $61.7M, down 11.3% QoQ; diluted EPS $0.37; operating EPS $0.42.","Net interest margin 3.36%, down 4 bps QoQ; net interest income $212.0M, down $13.9M YoY.","Provision for credit losses $9.8M; net charge-offs 0.15% of avg loans; NPA ratio 0.56%.","Recorded $3.2M FultonFirst initiative expense and $6.5M FDIC special assessment in Q4.","Full-year 2023 net income $274.0M ($1.64 EPS), down 1% YoY; operating EPS $1.71."],"urls":{"canonical":"https://secwatch.observer/filing/0000700564-24-000005","json":"https://secwatch.observer/filing/0000700564-24-000005.json","markdown":"https://secwatch.observer/filing/0000700564-24-000005.md","text":"https://secwatch.observer/filing/0000700564-24-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/700564/000070056424000005/0000700564-24-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/700564/000070056424000005/fult-20240116.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T23:35:12.215219+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"f63dc09d56325cc0f94c7c22f7b0fbc144aa5389","claim":"FULTON FINANCIAL CORP reported the fourth quarter and year ended December 31, 2023 results: net income net income available to common shareholders of $61.7 million, or $0.37 per diluted share, for the fourth quarter of 2023.","evidence_excerpt":"Fulton Financial Corporation Announces Fourth Quarter and Full-Year 2023 Results (January 16, 2024) – Lancaster, PA – Fulton Financial Corporation (NASDAQ: FULT) (“Fulton” or the “Corporation”) reported net income available to common shareholders of $61.7 million, or $0.37 per diluted share, for the fourth quarter of 2023, a decrease of $7.8 million, or 11.3%, in comparison to the third quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/700564/000070056424000005/0000700564-24-000005-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and year ended December 31, 2023"},{"label":"Net income","value":"net income available to common shareholders of $61.7 million, or $0.37 per diluted share, for the fourth quarter of 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}