---
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"
generated_at: "2026-06-06T23:35:12.215219+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial Q4 net income $61.7M ($0.37 EPS); operating EPS $0.42; FDIC special charge $6.5M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-24-000005
- JSON: https://secwatch.observer/filing/0000700564-24-000005.json
- Plain text: https://secwatch.observer/filing/0000700564-24-000005.txt

## Key facts
- Earnings Releases
  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.
  - Period: the fourth quarter and year ended December 31, 2023
  - Net income: net income available to common shareholders of $61.7 million, or $0.37 per diluted share, for the fourth quarter of 2023
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/700564/000070056424000005/0000700564-24-000005-index.htm

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