<p>富尔顿金融最近的财报电话会议描绘了强健的财务健康状况和战略管理，强劲的运营结果和创纪录的收入设定了积极的基调。尽管取得了这些成就，公司承认在贷款增长和存款波动方面面临挑战，这些问题正在通过战略措施加以解决。</p>
<h2>强劲的运营结果</h2>
<p>富尔顿金融报告的运营收益为 1.013 亿美元，或每股 0.55 美元，展示了强大的盈利能力和积极的运营杠杆。效率比率改善至 56.5%，运营资产回报率（ROA）为 1.29%，运营有形普通股权益回报率（ROTCE）为 15.79%，突显了公司的有效成本管理和盈利能力。</p>
<h2>创纪录的收入</h2>
<p>公司实现了季度收入的历史新高，得益于强劲的净利差和非利息收入的显著贡献。这一创纪录的收入凸显了富尔顿从多元化来源产生收入的能力，增强了其财务状况。</p>
<h2>积极的信贷趋势</h2>
<p>富尔顿金融报告称不良贷款和冲销有所改善，同时保持了稳定的拨备比率。不良贷款的信用损失拨备（ACL）覆盖率提高至 189%，反映了审慎的信用风险管理。</p>
<h2>股票回购</h2>
<p>公司以每股加权平均成本 18.67 美元回购了 1,650,000 股股票，促使每股有形账面价值在环比年化基础上增长 18%。这一举措展示了富尔顿对提升股东价值的承诺。</p>
<h2>存款增长</h2>
<p>存款增长了 1.94 亿美元，主要得益于需求和储蓄产品增加 3.87 亿美元，抵消了经纪和定期存款的下降。这一增长表明了强大的客户基础和有效的存款管理策略。</p>
<h2>增加的净利息收入指引</h2>
<p>富尔顿将 2025 年的净利息收入指引上调至 10.25 亿至 10.35 亿美元，反映出对未来财务表现和战略方向的信心。</p>
<h2>贷款增长挑战</h2>
<p>公司在贷款增长方面面临挑战，总贷款余额仅增加 2900 万美元，主要由于战略行动。这代表了年初至今贷款余额增长的 6 亿美元阻力，突显了战略调整的必要性。</p>
<h2>市政存款波动</h2>
<p>富尔顿预计在第四季度将出现市政余额的流出，继季节性增加 4.5 亿美元之后。这种波动与历史趋势一致，并正在积极管理中。</p>
<h2>非利息存款下降</h2>
<p>非利息余额在季度末占总存款的 19.5%，主要受到正常企业客户活动的驱动。这一下降是公司持续存款管理策略的一部分。</p>
<h2>贷款组合调整</h2>
<p>富尔顿战略性地减少了约 3200 万美元的间接汽车贷款和 4000 万美元的小额设备融资贷款，以及 4000 万美元的票据销售和 1.39 亿美元的 C&amp;C 贷款解决。这些调整是公司优化贷款组合努力的一部分。</p>
<h2>前瞻性指引</h2>
<p>展望未来，富尔顿金融更新了 2025 年的指引，预计净利息收入在 10.25 亿至 10.35 亿美元之间，拨备费用在 4500 万至 5500 万美元之间，手续费收入在 2.7 亿至 2.8 亿美元之间。公司还预计运营费用在 7.5 亿至 7.6 亿美元之间，实际税率为 19% 至 20%。</p>
<p>总之，富尔顿金融的财报电话会议强调了强劲的财务表现，创纪录的收入和积极的信贷趋势。尽管贷款增长和存款波动的挑战依然存在，公司正在采取战略行动来应对这些问题。前瞻性指引反映了对持续财务实力和战略管理的信心。</p>

FULTP

富尔顿金融

<p>富尔顿金融的财报电话会议揭示了强劲的运营结果，盈利达到 1.013 亿美元，创纪录的收入得益于稳健的净利差。公司报告了信贷趋势的改善，并回购了 165 万股股票，提升了股东价值。尽管面临贷款增长和存款波动的挑战，存款仍增长了 1.94 亿美元。公司上调了 2025 年的净利息收入指引，反映出对未来表现的信心。贷款组合的战略调整正在进行中，以优化增长。总体而言，富尔顿金融展现了强健的财务健康和积极的管理</p>

<p>Fulton Financial’s recent earnings call painted a picture of robust financial health and strategic management, with strong operating results and record revenue setting a positive tone. Despite these achievements, the company acknowledged challenges in loan growth and deposit volatility, which are being addressed through strategic measures.</p>
<div class="lb-trans"><p>富尔顿金融最近的财报电话会议描绘了强健的财务健康状况和战略管理，强劲的运营结果和创纪录的收入设定了积极的基调。尽管取得了这些成就，公司承认在贷款增长和存款波动方面面临挑战，这些问题正在通过战略措施加以解决。</p>
</div><h2>Strong Operating Results</h2>
<div class="lb-trans"><h2>强劲的运营结果</h2>
</div><p>Fulton Financial reported operating earnings of $101.3 million, or $0.55 per share, showcasing strong profitability and positive operating leverage. The efficiency ratio improved to 56.5%, with an operating return on assets (ROA) of 1.29% and an operating return on tangible common equity (ROTCE) of 15.79%, highlighting the company’s effective cost management and profitability.</p>
<div class="lb-trans"><p>富尔顿金融报告的运营收益为 1.013 亿美元，或每股 0.55 美元，展示了强大的盈利能力和积极的运营杠杆。效率比率改善至 56.5%，运营资产回报率（ROA）为 1.29%，运营有形普通股权益回报率（ROTCE）为 15.79%，突显了公司的有效成本管理和盈利能力。</p>
</div><h2>Record Revenue</h2>
<div class="lb-trans"><h2>创纪录的收入</h2>
</div><p>The company achieved an all-time high in quarterly revenue, driven by a robust net interest margin and significant contributions from non-interest income. This record revenue underscores Fulton’s ability to generate income from diverse sources, bolstering its financial position.</p>
<div class="lb-trans"><p>公司实现了季度收入的历史新高，得益于强劲的净利差和非利息收入的显著贡献。这一创纪录的收入凸显了富尔顿从多元化来源产生收入的能力，增强了其财务状况。</p>
</div><h2>Positive Credit Trends</h2>
<div class="lb-trans"><h2>积极的信贷趋势</h2>
</div><p>Fulton Financial reported improvements in non-performing loans and charge-offs, alongside a stable allowance ratio. The coverage of non-performing loans by the allowance for credit losses (ACL) increased to 189%, reflecting prudent credit risk management.</p>
<div class="lb-trans"><p>富尔顿金融报告称不良贷款和冲销有所改善，同时保持了稳定的拨备比率。不良贷款的信用损失拨备（ACL）覆盖率提高至 189%，反映了审慎的信用风险管理。</p>
</div><h2>Share Repurchase</h2>
<div class="lb-trans"><h2>股票回购</h2>
</div><p>The company repurchased 1,650,000 shares at a weighted average cost of $18.67 per share, contributing to an 18% growth in tangible book value per share on a linked quarter annualized basis. This move demonstrates Fulton’s commitment to enhancing shareholder value.</p>
<div class="lb-trans"><p>公司以每股加权平均成本 18.67 美元回购了 1,650,000 股股票，促使每股有形账面价值在环比年化基础上增长 18%。这一举措展示了富尔顿对提升股东价值的承诺。</p>
</div><h2>Deposit Growth</h2>
<div class="lb-trans"><h2>存款增长</h2>
</div><p>Deposits grew by $194 million, primarily driven by a $387 million increase in demand and savings products, which offset declines in brokered and time deposits. This growth indicates a strong customer base and effective deposit management strategies.</p>
<div class="lb-trans"><p>存款增长了 1.94 亿美元，主要得益于需求和储蓄产品增加 3.87 亿美元，抵消了经纪和定期存款的下降。这一增长表明了强大的客户基础和有效的存款管理策略。</p>
</div><h2>Increased Net Interest Income Guidance</h2>
<div class="lb-trans"><h2>增加的净利息收入指引</h2>
</div><p>Fulton revised its net interest income guidance for 2025 upwards to a range of $1.025 billion to $1.035 billion, reflecting confidence in its future financial performance and strategic direction.</p>
<div class="lb-trans"><p>富尔顿将 2025 年的净利息收入指引上调至 10.25 亿至 10.35 亿美元，反映出对未来财务表现和战略方向的信心。</p>
</div><h2>Loan Growth Challenges</h2>
<div class="lb-trans"><h2>贷款增长挑战</h2>
</div><p>The company faced challenges in loan growth, with total loan balances increasing by only $29 million due to strategic actions. This represents a $600 million headwind to loan balance growth year-to-date, highlighting the need for strategic adjustments.</p>
<div class="lb-trans"><p>公司在贷款增长方面面临挑战，总贷款余额仅增加 2900 万美元，主要由于战略行动。这代表了年初至今贷款余额增长的 6 亿美元阻力，突显了战略调整的必要性。</p>
</div><h2>Municipal Deposit Volatility</h2>
<div class="lb-trans"><h2>市政存款波动</h2>
</div><p>Fulton anticipates outflows of municipal balances in the fourth quarter, following a seasonal increase of $450 million. This volatility is consistent with historical trends and is being managed proactively.</p>
<div class="lb-trans"><p>富尔顿预计在第四季度将出现市政余额的流出，继季节性增加 4.5 亿美元之后。这种波动与历史趋势一致，并正在积极管理中。</p>
</div><h2>Non-Interest Bearing Deposit Decline</h2>
<div class="lb-trans"><h2>非利息存款下降</h2>
</div><p>Non-interest bearing balances ended the quarter at 19.5% of total deposits, driven by normal corporate customer activity. This decline is part of the company’s ongoing deposit management strategy.</p>
<div class="lb-trans"><p>非利息余额在季度末占总存款的 19.5%，主要受到正常企业客户活动的驱动。这一下降是公司持续存款管理策略的一部分。</p>
</div><h2>Loan Portfolio Adjustments</h2>
<div class="lb-trans"><h2>贷款组合调整</h2>
</div><p>Fulton strategically ran off approximately $32 million of indirect auto and $40 million of small ticket equipment finance loans, along with $40 million in note sales and $139 million of C&amp;C loans resolved. These adjustments are part of the company’s efforts to optimize its loan portfolio.</p>
<div class="lb-trans"><p>富尔顿战略性地减少了约 3200 万美元的间接汽车贷款和 4000 万美元的小额设备融资贷款，以及 4000 万美元的票据销售和 1.39 亿美元的 C&amp;C 贷款解决。这些调整是公司优化贷款组合努力的一部分。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指引</h2>
</div><p>Looking ahead, Fulton Financial updated its 2025 guidance with projections of net interest income between $1.025 billion and $1.035 billion, provision expenses ranging from $45 million to $55 million, and fee income between $270 million and $280 million. The company also anticipates operating expenses between $750 million and $760 million, with an effective tax rate of 19% to 20%.</p>
<div class="lb-trans"><p>展望未来，富尔顿金融更新了 2025 年的指引，预计净利息收入在 10.25 亿至 10.35 亿美元之间，拨备费用在 4500 万至 5500 万美元之间，手续费收入在 2.7 亿至 2.8 亿美元之间。公司还预计运营费用在 7.5 亿至 7.6 亿美元之间，实际税率为 19% 至 20%。</p>
</div><p>In summary, Fulton Financial’s earnings call highlighted a strong financial performance with record revenue and positive credit trends. While challenges in loan growth and deposit volatility persist, the company is taking strategic actions to address these issues. The forward-looking guidance reflects confidence in continued financial strength and strategic management.</p>
<div class="lb-trans"><p>总之，富尔顿金融的财报电话会议强调了强劲的财务表现，创纪录的收入和积极的信贷趋势。尽管贷款增长和存款波动的挑战依然存在，公司正在采取战略行动来应对这些问题。前瞻性指引反映了对持续财务实力和战略管理的信心。</p>
</div>

富尔顿金融的财报电话会议揭示了强劲的业绩表现