<p>富尔顿金融公司（NASDAQ: FULT）公布了 2025 年第四季度的稳健业绩，盈利能力有所改善，收入 modest 增长。业绩反映了资产负债表的纪律、稳定的信用质量以及业务多元化的持续进展。结果与管理层在利率环境趋缓下对核心银行业务执行的关注一致。</p>
<h2><strong>2025 年第四季度业绩概览</strong></h2>
<p>富尔顿金融在 2025 年第四季度的收入约为 3.36 亿美元，同比增长 5.1%。增长主要得益于净利息收入的增加，得益于有序的贷款定价和稳定的平均收益资产。净利息收入上升至约 2.66 亿美元，而 2024 年第四季度为 2.54 亿美元。随着资金成本在季度末开始正常化，净利息利润率保持稳定。</p>
<p>非利息收入同比增长 6.2%，达到约 7000 万美元。增长得益于财富管理费用、服务费和抵押贷款银行收入的增加。来自收费业务的贡献帮助抵消了与利率相关的波动，并支持了收入多元化。</p>
<p>可供普通股东的净收入上升至约 9600 万美元，而一年前为 6600 万美元。收益受益于运营杠杆、较低的拨备费用和控制的非利息费用。净利润率从 2024 年第四季度的 20.7% 改善至约 28.7%，反映出更强的底线转化能力。</p>
<p>信用表现保持稳定。净冲销保持在低位，资产质量指标基本保持不变。管理层在商业房地产和建筑贷款方面保持保守的承保姿态。</p>
<h2><strong>2025 年全年业绩</strong></h2>
<p>2025 年全年，富尔顿金融报告收入约为 13.1 亿美元，同比增长 6.2%。净利息收入增加至约 10.4 亿美元，反映出平均贷款余额的增加和整个投资组合的有效重新定价。非利息收入稳定在约 2.77 亿美元，尽管年初资本市场活动较弱，但收费业务仍显示出韧性。</p>
<p>全年净收入上升至约 3.81 亿美元，同比增长 36.9%。收益增长显著超过收入增长，得益于利润率改善、较低的信用成本和运营纪律。全年净利润率扩大至约 29.1%，而 2024 财年的净利润率为 22.5%。</p>
<p>资本水平保持强劲。公司继续有机生成资本，同时通过分红维持股东回报。流动性指标稳定，得益于多元化的存款基础和保守的资产负债表定位。</p>
<h2><strong>业务发展与多元化</strong></h2>
<p>富尔顿金融继续推进其专注于区域扩张和收入多元化的长期战略。公司在其中大西洋地区投资了商业银行团队，目标是中型市场客户和专业贷款领域。财富管理和信托服务的增长仍然是战略优先事项，提供更稳定的收费收入来源。</p>
<p>数字银行业务在年内取得进展，增强了财务管理和小型企业平台。这些投资旨在随着时间的推移改善客户保留率和运营效率。管理层还强调了有序的费用管理和选择性技术支出，以支持可扩展性。</p>
<h2><strong>展望</strong></h2>
<p>总体而言，2025 年第四季度的业绩突显了富尔顿金融在稳定但竞争激烈的运营环境中改善盈利能力的能力。收入增长保持稳定，而利润率扩张和成本控制推动了超额的收益增长。公司以平衡的业务组合、稳健的资本状况和持续关注多元化收入生成的态势进入 2026 年。</p>
<p><img src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png"/></p>
<p><img src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png"/></p>
<p><img src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png"/></p>
<p>富尔顿金融公司 2025 年第四季度财报：在稳定收入增长的基础上盈利能力改善的文章首次出现在 AlphaStreet 上。</p>

富尔顿金融

<p>富尔顿金融公司（NASDAQ: FULT）在 2025 年第四季度报告了盈利能力的改善，收入约为 3.36 亿美元，同比增长 5.1%。主要驱动因素包括净利息收入约为 2.66 亿美元，净利润率为 28.7%。全年收入达到 13.1 亿美元，增长 6.2%，净收入上升 36.9%，约为 3.81 亿美元。公司专注于区域扩张、收入多元化和数字银行的提升，以强劲的资本状况和均衡的业务组合进入 2026 年</p>

<p>Fulton Financial Corporation (NASDAQ: FULT) reported solid fourth-quarter 2025 results, marked by improved profitability and modest revenue growth. Performance reflected balance sheet discipline, stable credit quality, and continued progress in business diversification. Results were consistent with management’s focus on core banking execution in a moderating rate environment.</p>
<div class="lb-trans"><p>富尔顿金融公司（NASDAQ: FULT）公布了 2025 年第四季度的稳健业绩，盈利能力有所改善，收入 modest 增长。业绩反映了资产负债表的纪律、稳定的信用质量以及业务多元化的持续进展。结果与管理层在利率环境趋缓下对核心银行业务执行的关注一致。</p>
</div><h2><strong>Q4 2025 Performance Overview</strong></h2>
<div class="lb-trans"><h2><strong>2025 年第四季度业绩概览</strong></h2>
</div><p>Fulton Financial generated Q4 2025 revenue of approximately $336 million, up 5.1% year over year. Growth was driven by higher net interest income, supported by disciplined loan pricing and steady average earning assets. Net interest income rose to about $266 million, compared with $254 million in Q4 2024. Net interest margin stabilized as funding costs began to normalize late in the quarter.</p>
<div class="lb-trans"><p>富尔顿金融在 2025 年第四季度的收入约为 3.36 亿美元，同比增长 5.1%。增长主要得益于净利息收入的增加，得益于有序的贷款定价和稳定的平均收益资产。净利息收入上升至约 2.66 亿美元，而 2024 年第四季度为 2.54 亿美元。随着资金成本在季度末开始正常化，净利息利润率保持稳定。</p>
</div><p>Non-interest income increased 6.2% year over year to roughly $70 million. Growth was supported by higher wealth management fees, service charges, and mortgage banking income. The contribution from fee-based businesses helped offset rate-related volatility and supported revenue diversification.</p>
<div class="lb-trans"><p>非利息收入同比增长 6.2%，达到约 7000 万美元。增长得益于财富管理费用、服务费和抵押贷款银行收入的增加。来自收费业务的贡献帮助抵消了与利率相关的波动，并支持了收入多元化。</p>
</div><p>Net income available to common shareholders rose to approximately $96 million, compared with $66 million a year earlier. Earnings benefited from operating leverage, lower provision expense, and controlled non-interest expenses. The net profit margin improved to about 28.7% from 20.7% in Q4 2024, reflecting stronger bottom-line conversion.</p>
<div class="lb-trans"><p>可供普通股东的净收入上升至约 9600 万美元，而一年前为 6600 万美元。收益受益于运营杠杆、较低的拨备费用和控制的非利息费用。净利润率从 2024 年第四季度的 20.7% 改善至约 28.7%，反映出更强的底线转化能力。</p>
</div><p>Credit performance remained stable. Net charge-offs stayed low, and asset quality metrics were broadly unchanged. Management maintained a conservative underwriting posture, particularly in commercial real estate and construction lending.</p>
<div class="lb-trans"><p>信用表现保持稳定。净冲销保持在低位，资产质量指标基本保持不变。管理层在商业房地产和建筑贷款方面保持保守的承保姿态。</p>
</div><h2><strong>Full-Year 2025 Results</strong></h2>
<div class="lb-trans"><h2><strong>2025 年全年业绩</strong></h2>
</div><p>For full-year 2025, Fulton Financial reported revenue of about $1.31 billion, representing 6.2% growth over FY 2024. Net interest income increased to roughly $1.04 billion, reflecting higher average loan balances and effective repricing across the portfolio. Non-interest income was stable at approximately $277 million, indicating resilience across fee-based businesses despite softer capital markets activity earlier in the year.</p>
<div class="lb-trans"><p>2025 年全年，富尔顿金融报告收入约为 13.1 亿美元，同比增长 6.2%。净利息收入增加至约 10.4 亿美元，反映出平均贷款余额的增加和整个投资组合的有效重新定价。非利息收入稳定在约 2.77 亿美元，尽管年初资本市场活动较弱，但收费业务仍显示出韧性。</p>
</div><p>Full-year net income rose to approximately $381 million, up 36.9% year over year. Earnings growth significantly outpaced revenue growth, driven by improved margins, lower credit costs, and operating discipline. The full-year net profit margin expanded to roughly 29.1%, compared with 22.5% in FY 2024.</p>
<div class="lb-trans"><p>全年净收入上升至约 3.81 亿美元，同比增长 36.9%。收益增长显著超过收入增长，得益于利润率改善、较低的信用成本和运营纪律。全年净利润率扩大至约 29.1%，而 2024 财年的净利润率为 22.5%。</p>
</div><p>Capital levels remained strong. The company continued to generate capital organically while maintaining shareholder returns through dividends. Liquidity metrics were stable, supported by a diversified deposit base and conservative balance sheet positioning.</p>
<div class="lb-trans"><p>资本水平保持强劲。公司继续有机生成资本，同时通过分红维持股东回报。流动性指标稳定，得益于多元化的存款基础和保守的资产负债表定位。</p>
</div><h2><strong>Business Development and Diversification</strong></h2>
<div class="lb-trans"><h2><strong>业务发展与多元化</strong></h2>
</div><p>Fulton Financial continued to advance its long-term strategy focused on regional expansion and revenue diversification. The company invested in commercial banking teams across its Mid-Atlantic footprint, targeting middle-market clients and specialized lending verticals. Growth in wealth management and trust services remained a strategic priority, providing more stable, fee-driven income streams.</p>
<div class="lb-trans"><p>富尔顿金融继续推进其专注于区域扩张和收入多元化的长期战略。公司在其中大西洋地区投资了商业银行团队，目标是中型市场客户和专业贷款领域。财富管理和信托服务的增长仍然是战略优先事项，提供更稳定的收费收入来源。</p>
</div><p>Digital banking initiatives progressed during the year, with enhancements to treasury management and small business platforms. These investments are aimed at improving client retention and operating efficiency over time. Management also emphasized disciplined expense management and selective technology spending to support scalability.</p>
<div class="lb-trans"><p>数字银行业务在年内取得进展，增强了财务管理和小型企业平台。这些投资旨在随着时间的推移改善客户保留率和运营效率。管理层还强调了有序的费用管理和选择性技术支出，以支持可扩展性。</p>
</div><h2><strong>Outlook</strong></h2>
<div class="lb-trans"><h2><strong>展望</strong></h2>
</div><p>Overall, Q4 2025 results highlighted Fulton Financial’s ability to improve profitability in a stable but competitive operating environment. Revenue growth remained steady, while margin expansion and cost control drove outsized earnings growth. The company enters 2026 with a balanced business mix, solid capital position, and continued focus on diversified income generation.</p>
<div class="lb-trans"><p>总体而言，2025 年第四季度的业绩突显了富尔顿金融在稳定但竞争激烈的运营环境中改善盈利能力的能力。收入增长保持稳定，而利润率扩张和成本控制推动了超额的收益增长。公司以平衡的业务组合、稳健的资本状况和持续关注多元化收入生成的态势进入 2026 年。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png" alt="" original-src="https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png"/></p>
<p><img src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png" alt="" original-src="https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png"/></p>
<p><img src="https://imageproxy.pbkrs.com/https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png" alt="" original-src="https://cdn.news.alphastreet.com/wp-content/uploads/2026/01/image-28.png"/></p>
<p>The post Fulton Financial Corporation Q4 2025 Earnings: Profitability Improves on Stable Revenue Growth first appeared on AlphaStreet.</p>
<div class="lb-trans"><p>富尔顿金融公司 2025 年第四季度财报：在稳定收入增长的基础上盈利能力改善的文章首次出现在 AlphaStreet 上。</p>
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富尔顿金融公司 2025 年第四季度财报：盈利能力因收入稳定增长而提升