---
schema_version: "secwatch.filing_event.v1"
accession: "0000700564-25-000002"
form_type: "8-K"
ticker: "FULT"
cik: "0000700564"
company_name: "FULTON FINANCIAL CORP"
filed_at: "2025-01-21T23:59:59+00:00"
generated_at: "2026-05-27T22:38:12.178911+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial reports record operating EPS of $1.85 for 2024; Q4 operating EPS $0.48

## Summary
- Q4 net income available to common $66.1M ($0.36 diluted); operating net income $88.9M ($0.48 diluted).
- Full-year 2024 operating net income $328.1M ($1.85 diluted), up 8% YoY from $1.71.
- Net interest margin 3.41%; cost of funds down 14 bps QoQ; avg noninterest-bearing deposits up $62M.
- Loans $24.0B (-$131M QoQ); deposits $26.1B (-$23M); provision $16.7M; NPAs 0.69% of assets.
- Acquisition-related costs $9.6M; FultonFirst consolidation costs $10.0M; operating expenses fell $5.5M QoQ.

## SEC filing metadata
- accession: 0000700564-25-000002
- form_type: 8-K
- ticker: FULT
- cik: 0000700564
- company_name: FULTON FINANCIAL CORP
- filed_at: 2025-01-21T23:59:59+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/700564/000070056425000002/0000700564-25-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700564/000070056425000002/fult-20250121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-25-000002
- JSON: https://secwatch.observer/filing/0000700564-25-000002.json
- Plain text: https://secwatch.observer/filing/0000700564-25-000002.txt

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