Revenue: As of FY2026 Q2, the actual value is USD 363.56 M.

EPS: As of FY2026 Q2, the actual value is USD 0.52, beating the estimate of USD 0.41.

EBIT: As of FY2026 Q2, the actual value is USD 127.71 M.

Net Income and Profitability

Fulton Financial Corporation reported Net Income Available to Common Shareholders of $99.9 million for the second quarter of 2026, an increase from $92.2 million in the first quarter of 2026 . Operating net income available to common shareholders was $115.9 million in the second quarter of 2026, up from $92.2 million in the first quarter of 2026 . For the six months ended June 30, 2026, net income available to common shareholders was $192.1 million, an increase of $5.0 million compared to the same period in 2025 . Operating net income available to common shareholders for the six months ended June 30, 2026, totaled $215.5 million, an increase of $19.4 million from the six months ended June 30, 2025 . Net income for the second quarter of 2026 was $102,414 thousand, up from $94,761 thousand in the first quarter of 2026 . Preferred stock dividends were - $2,562 thousand in both the second and first quarters of 2026 .

Operational Metrics

Return on Average Assets (ROAA) was 1.20% for both the second and first quarters of 2026 . Operating Return on Average Tangible Common Equity (ROATCE) increased to 15.71% in the second quarter of 2026 from 14.76% in the first quarter of 2026 . The Efficiency Ratio (non-GAAP) was 57.3% in the second quarter of 2026, up from 56.7% in the first quarter of 2026 . Non-Interest Expense as a percentage of Total Average Assets (annualized) was 2.47% in the second quarter of 2026, compared to 2.42% in the first quarter of 2026 . Operating Pre-Provision Net Revenue (PPNR) reached $152.9 million in the second quarter of 2026, up from $141.0 million in the first quarter of 2026 . Operating PPNR as a percentage of Average Assets (annualized; non-GAAP) was 1.80% in the second quarter of 2026, slightly up from 1.79% in the first quarter of 2026 .

Net Interest Income and Margins

Net interest income was $284,252 thousand in the second quarter of 2026, increasing by $22,229 thousand from $262,023 thousand in the first quarter of 2026 . For the six months ended June 30, 2026, net interest income was $546.275 million, compared to $506.107 million for the same period in 2025 . Net Interest Margin (NIM) was 3.60% in the second quarter of 2026, a two basis point increase compared to the first quarter of 2026 . The loan yield was 5.80% in the second quarter of 2026, an increase of ten basis points from the first quarter of 2026 . The total cost of deposits was 1.81% in the second quarter of 2026, a three basis point increase compared to the first quarter of 2026 .

Non-Interest Income

Total non-interest income before investment securities gains (losses) was $79,306 thousand in the second quarter of 2026, an increase of $9,465 thousand from $69,841 thousand in the first quarter of 2026 . For the six months ended June 30, 2026, total non-interest income was $149.147 million, up from $136.380 million for the six months ended June 30, 2025 . Key non-interest income components for the second quarter of 2026 included: Wealth management: $23,139 thousand, a decrease of - $1,357 thousand from $24,496 thousand in the first quarter of 2026 . Commercial banking: $24,822 thousand, an increase of $2,016 thousand from $22,806 thousand in the first quarter of 2026 . Consumer banking: $15,345 thousand, an increase of $1,169 thousand from $14,176 thousand in the first quarter of 2026 . Mortgage banking: $4,938 thousand, an increase of $983 thousand from $3,955 thousand in the first quarter of 2026 . Other non-interest income: $11,062 thousand, an increase of $6,654 thousand from $4,408 thousand in the first quarter of 2026 .

Non-Interest Expense

Total non-interest expense was $230,954 thousand in the second quarter of 2026, compared to $200,294 thousand in the first quarter of 2026 . Operating non-interest expense (non-GAAP) was $210,607 thousand in the second quarter of 2026, up from $190,745 thousand in the first quarter of 2026 . The Blue Foundry Bancorp Transaction contributed approximately $10.5 million to operating non-interest expense in the second quarter of 2026, which also included a $2.1 million pension plan charge . For the six months ended June 30, 2026, total non-interest expense was $431.248 million, compared to $382.270 million for the same period in 2025 . Key non-interest expense components for the second quarter of 2026 included salaries and employee benefits ($120.184 million), data processing and software ($20.419 million), net occupancy ($17.841 million), other outside services ($14.999 million), acquisition-related expenses ($13.839 million), and other non-interest expense ($24.086 million) .

Provision for Credit Losses

Provision for credit losses was $4,897 thousand in the second quarter of 2026, a decrease of - $9,545 thousand from $14,442 thousand in the first quarter of 2026 . For the six months ended June 30, 2026, the provision for credit losses totaled $19.339 million, compared to $22.505 million for the same period in 2025 .

Asset Quality

The allowance for credit losses attributable to net loans stood at $382.6 million, or 1.48% of total net loans, as of June 30, 2026 . Non-performing assets were $187.1 million, or 0.54% of total assets, as of June 30, 2026 . Annualized net charge-offs for the second quarter of 2026 were 0.34% of total average loans, up from 0.25% in the prior quarter .

Capital Generation and Ratios

Tangible capital increased by $285 million linked quarter . Accumulated Other Comprehensive Income (AOCI) was - $213 million as of June 30, 2026 . The common stock dividend is $0.19 per share . Fulton Financial Corporation has $115 million remaining in its share repurchase authorization through January 31, 2027 . The company issued $300 million of subordinated notes due 2036 on May 5, 2026, and redeemed $195 million of subordinated notes due 2030 on June 15, 2026 . The Common Equity Tier 1 capital ratio increased to approximately 12.1% as of June 30, 2026, from 11.9% in the prior quarter . The Tangible Common Equity (TCE) ratio was 8.8% for the second quarter of 2026 . The Tier 1 leverage ratio was 9.9%, Tier 1 risk-based capital ratio was 12.8%, and Total risk-based capital ratio was 15.9% for the second quarter of 2026 .

Balance Sheet Highlights

• Total Assets: $34,556,720 million as of June 30, 2026, up from $32,237,438 million as of March 31, 2026 .
• Net Loans: Increased by $1.7 billion to $25.9 billion as of June 30, 2026, primarily due to a $1.6 billion increase from the Blue Foundry Bancorp Transaction .
• Deposits: Totaled $28.3 billion, a $1.5 billion increase from $26.8 billion as of March 31, 2026, with the Blue Foundry Bancorp Transaction contributing $1.2 billion .
• Shareholders’ Equity: $3,815,813 million as of June 30, 2026, up from $3,505,283 million as of March 31, 2026 .
• Borrowings: Totaled $1,713,976 million as of June 30, 2026, compared to $1,252,579 million as of March 31, 2026 .

Unique Metrics

Wealth management income (excluding NII) was $94.2 million Trailing Twelve Months (TTM) through June 30, 2026, with a five-year Compound Annual Growth Rate (CAGR) of 8% . Assets Under Management/Administration (AUM/AUA) were $18.4 billion, with over 85% recurring income . The loan portfolio has grown by $7.0 billion since 2020 . As of June 30, 2026, Fulton Financial Corporation had 918,337 deposit accounts with an average account balance of $31,079 and an average account age of approximately nine years . Net estimated uninsured deposits were 25%, with 283% coverage of net estimated uninsured deposits . During the second quarter of 2026, Fulton Financial Corporation repurchased 525,000 shares of common stock at a cost of $11.1 million, averaging $21.19 per share .

Outlook / Guidance

Fulton Financial Corporation’s 2026 operating guidance projects Non-Fully Taxable-Equivalent (NTE) Net Interest Income (NII) to be between $1.120 billion and $1.135 billion, reflecting low, single-digit organic loan growth plus the Blue Foundry Bancorp Transaction . The provision for credit losses is expected to range from $40 million to $60 million, and non-interest income is guided to be between $290 million and $300 million . Non-interest expense is projected to be between $810 million and $830 million, excluding non-operating expenses and Core Deposit Intangible (CDI) amortization, with an anticipated effective tax rate between 18.5% and 19.5% .