<p>富爾頓金融最近的財報電話會議描繪了強健的財務健康狀況和戰略管理，強勁的運營結果和創紀錄的收入設定了積極的基調。儘管取得了這些成就，公司承認在貸款增長和存款波動方面面臨挑戰，這些問題正在通過戰略措施加以解決。</p>
<h2>強勁的運營結果</h2>
<p>富爾頓金融報告的運營收益為 1.013 億美元，或每股 0.55 美元，展示了強大的盈利能力和積極的運營槓桿。效率比率改善至 56.5%，運營資產回報率（ROA）為 1.29%，運營有形普通股權益回報率（ROTCE）為 15.79%，突顯了公司的有效成本管理和盈利能力。</p>
<h2>創紀錄的收入</h2>
<p>公司實現了季度收入的歷史新高，得益於強勁的淨利差和非利息收入的顯著貢獻。這一創紀錄的收入凸顯了富爾頓從多元化來源產生收入的能力，增強了其財務狀況。</p>
<h2>積極的信貸趨勢</h2>
<p>富爾頓金融報告稱不良貸款和沖銷有所改善，同時保持了穩定的撥備比率。不良貸款的信用損失撥備（ACL）覆蓋率提高至 189%，反映了審慎的信用風險管理。</p>
<h2>股票回購</h2>
<p>公司以每股加權平均成本 18.67 美元回購了 1,650,000 股股票，促使每股有形賬面價值在環比年化基礎上增長 18%。這一舉措展示了富爾頓對提升股東價值的承諾。</p>
<h2>存款增長</h2>
<p>存款增長了 1.94 億美元，主要得益於需求和儲蓄產品增加 3.87 億美元，抵消了經紀和定期存款的下降。這一增長表明了強大的客户基礎和有效的存款管理策略。</p>
<h2>增加的淨利息收入指引</h2>
<p>富爾頓將 2025 年的淨利息收入指引上調至 10.25 億至 10.35 億美元，反映出對未來財務表現和戰略方向的信心。</p>
<h2>貸款增長挑戰</h2>
<p>公司在貸款增長方面面臨挑戰，總貸款餘額僅增加 2900 萬美元，主要由於戰略行動。這代表了年初至今貸款餘額增長的 6 億美元阻力，突顯了戰略調整的必要性。</p>
<h2>市政存款波動</h2>
<p>富爾頓預計在第四季度將出現市政餘額的流出，繼季節性增加 4.5 億美元之後。這種波動與歷史趨勢一致，並正在積極管理中。</p>
<h2>非利息存款下降</h2>
<p>非利息餘額在季度末佔總存款的 19.5%，主要受到正常企業客户活動的驅動。這一下降是公司持續存款管理策略的一部分。</p>
<h2>貸款組合調整</h2>
<p>富爾頓戰略性地減少了約 3200 萬美元的間接汽車貸款和 4000 萬美元的小額設備融資貸款，以及 4000 萬美元的票據銷售和 1.39 億美元的 C&amp;C 貸款解決。這些調整是公司優化貸款組合努力的一部分。</p>
<h2>前瞻性指引</h2>
<p>展望未來，富爾頓金融更新了 2025 年的指引，預計淨利息收入在 10.25 億至 10.35 億美元之間，撥備費用在 4500 萬至 5500 萬美元之間，手續費收入在 2.7 億至 2.8 億美元之間。公司還預計運營費用在 7.5 億至 7.6 億美元之間，實際税率為 19% 至 20%。</p>
<p>總之，富爾頓金融的財報電話會議強調了強勁的財務表現，創紀錄的收入和積極的信貸趨勢。儘管貸款增長和存款波動的挑戰依然存在，公司正在採取戰略行動來應對這些問題。前瞻性指引反映了對持續財務實力和戰略管理的信心。</p>

FULTP

富爾頓金融

<p>富爾頓金融的財報電話會議揭示了強勁的運營結果，盈利達到 1.013 億美元，創紀錄的收入得益於穩健的淨利差。公司報告了信貸趨勢的改善，並回購了 165 萬股股票，提升了股東價值。儘管面臨貸款增長和存款波動的挑戰，存款仍增長了 1.94 億美元。公司上調了 2025 年的淨利息收入指引，反映出對未來表現的信心。貸款組合的戰略調整正在進行中，以優化增長。總體而言，富爾頓金融展現了強健的財務健康和積極的管理</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>富爾頓金融最近的財報電話會議描繪了強健的財務健康狀況和戰略管理，強勁的運營結果和創紀錄的收入設定了積極的基調。儘管取得了這些成就，公司承認在貸款增長和存款波動方面面臨挑戰，這些問題正在通過戰略措施加以解決。</p>
</div><h2>Strong Operating Results</h2>
<div class="lb-trans"><h2>強勁的運營結果</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>富爾頓金融報告的運營收益為 1.013 億美元，或每股 0.55 美元，展示了強大的盈利能力和積極的運營槓桿。效率比率改善至 56.5%，運營資產回報率（ROA）為 1.29%，運營有形普通股權益回報率（ROTCE）為 15.79%，突顯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>創紀錄的收入</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>公司實現了季度收入的歷史新高，得益於強勁的淨利差和非利息收入的顯著貢獻。這一創紀錄的收入凸顯了富爾頓從多元化來源產生收入的能力，增強了其財務狀況。</p>
</div><h2>Positive Credit Trends</h2>
<div class="lb-trans"><h2>積極的信貸趨勢</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>富爾頓金融報告稱不良貸款和沖銷有所改善，同時保持了穩定的撥備比率。不良貸款的信用損失撥備（ACL）覆蓋率提高至 189%，反映了審慎的信用風險管理。</p>
</div><h2>Share Repurchase</h2>
<div class="lb-trans"><h2>股票回購</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>公司以每股加權平均成本 18.67 美元回購了 1,650,000 股股票，促使每股有形賬面價值在環比年化基礎上增長 18%。這一舉措展示了富爾頓對提升股東價值的承諾。</p>
</div><h2>Deposit Growth</h2>
<div class="lb-trans"><h2>存款增長</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>存款增長了 1.94 億美元，主要得益於需求和儲蓄產品增加 3.87 億美元，抵消了經紀和定期存款的下降。這一增長表明了強大的客户基礎和有效的存款管理策略。</p>
</div><h2>Increased Net Interest Income Guidance</h2>
<div class="lb-trans"><h2>增加的淨利息收入指引</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>富爾頓將 2025 年的淨利息收入指引上調至 10.25 億至 10.35 億美元，反映出對未來財務表現和戰略方向的信心。</p>
</div><h2>Loan Growth Challenges</h2>
<div class="lb-trans"><h2>貸款增長挑戰</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>公司在貸款增長方面面臨挑戰，總貸款餘額僅增加 2900 萬美元，主要由於戰略行動。這代表了年初至今貸款餘額增長的 6 億美元阻力，突顯了戰略調整的必要性。</p>
</div><h2>Municipal Deposit Volatility</h2>
<div class="lb-trans"><h2>市政存款波動</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>富爾頓預計在第四季度將出現市政餘額的流出，繼季節性增加 4.5 億美元之後。這種波動與歷史趨勢一致，並正在積極管理中。</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>非利息餘額在季度末佔總存款的 19.5%，主要受到正常企業客户活動的驅動。這一下降是公司持續存款管理策略的一部分。</p>
</div><h2>Loan Portfolio Adjustments</h2>
<div class="lb-trans"><h2>貸款組合調整</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>富爾頓戰略性地減少了約 3200 萬美元的間接汽車貸款和 4000 萬美元的小額設備融資貸款，以及 4000 萬美元的票據銷售和 1.39 億美元的 C&amp;C 貸款解決。這些調整是公司優化貸款組合努力的一部分。</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>展望未來，富爾頓金融更新了 2025 年的指引，預計淨利息收入在 10.25 億至 10.35 億美元之間，撥備費用在 4500 萬至 5500 萬美元之間，手續費收入在 2.7 億至 2.8 億美元之間。公司還預計運營費用在 7.5 億至 7.6 億美元之間，實際税率為 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>總之，富爾頓金融的財報電話會議強調了強勁的財務表現，創紀錄的收入和積極的信貸趨勢。儘管貸款增長和存款波動的挑戰依然存在，公司正在採取戰略行動來應對這些問題。前瞻性指引反映了對持續財務實力和戰略管理的信心。</p>
</div>

富爾頓金融的財報電話會議揭示了強勁的業績表現