The beat was driven by lower credit costs and higher NII from the Blue Foundry acquisition. The raised non-interest income guidance signals continued fee income momentum. Monitor Q4 for the full-year NII landing within the $1.125-1.135B guidance range and whether the 2 bps NIM compression trend continues.
Price Chart
Executive Summary
Fulton Financial reported Q3 2026 GAAP diluted EPS of $0.59, beating consensus of $0.56 by 5.4%, and operating EPS of $0.62. Net interest income rose to $290.0M from $284.3M linked-quarter, driven by balance sheet growth from the Blue Foundry Bancorp acquisition. Asset quality improved with net charge-offs falling to 0.14% annualized from 0.34% in Q2, and the company raised its 2026 non-interest income guidance to $295-305M while maintaining its NII and expense outlook.
Key Financial Metrics
Key Facts
- GAAP diluted EPS of $0.59 vs consensus $0.56 (beat by ~5.4%)
- Operating diluted EPS of $0.62 vs consensus $0.55 (beat by ~12.7%)
- Net interest income $290.0M, up $5.8M linked-quarter
- Net charge-offs fell to 0.14% annualized from 0.34% in Q2
- 2026 non-interest income guidance raised to $295-305M from prior range
- NIM stable at 3.58%, down 2 bps linked-quarter
- Completed Blue Foundry Bank integration on July 11, 2026
- Repurchased 2.325M shares for $56.1M in Q3
Financial Impact
EPS beat of $0.03 vs consensus; operating EPS beat of $0.07 vs consensus; NII up $5.8M linked-quarter
Risk Factors
- NIM compressed 2 bps linked-quarter to 3.58%; further rate cuts could pressure NII
- Deposit costs rose 6 bps linked-quarter to 1.87%, outpacing loan yield improvement of 2 bps
- Non-interest income declined $2.1M linked-quarter due to a one-time equity method investment sale in Q2
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000700564-26-000036 |
| Document: fultinvestorpresentation.htm | 0000700564-26-000036 |
| Document: fult-20261021.htm | 0000700564-26-000036 |
| Document: 0000700564-26-000036-index-headers.html | 0000700564-26-000036 |
| Document: 0000700564-26-000036-index.html | 0000700564-26-000036 |
| Document: 0000700564-26-000036.txt | 0000700564-26-000036 |
| 8-K Data (Synthetic) | 0000700564-26-000036 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 3d ago | Institutional Cluster | $23.67 $23.70 | ▲ +0.13% | ▼ −0.58% | $23.56 (−0.46%) |
Oct 21, 2026 5d ago | 8-K | $23.35 $23.67 | ▲ +1.37% | ▲ +1.89% | $23.56 (+0.90%) |
Oct 21, 2026 5d ago | Press Release | $23.35 $23.67 | ▲ +1.37% | ▲ +1.89% | $23.56 (+0.90%) |
Oct 1, 2026 25d ago | Press Release | $22.59 $22.81 | ▲ +0.97% | ▲ +0.23% | $23.56 (+4.29%) |
Sep 15, 2026 5w ago | Press Release | $23.46 $23.39 | ▼ −0.30% | ▼ −1.43% | $23.56 (+0.43%) |
Aug 6, 2026 11w ago | Insider Cluster | $24.40 $24.24 | ▼ −0.66% | ▼ −1.27% | $23.56 (−3.44%) |
Jul 22, 2026 13w ago | Press Release | $24.26 $24.57 | ▲ +1.28% | ▲ +1.18% | $23.56 (−2.89%) |
Jul 21, 2026 13w ago | Press Release | $24.44 $24.26 | ▼ −0.74% | ▲ +0.50% | $23.56 (−3.60%) |
US Market Status
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