<p>富爾頓金融公司（NASDAQ: FULT）公佈了 2025 年第四季度的穩健業績，盈利能力有所改善，收入 modest 增長。業績反映了資產負債表的紀律、穩定的信用質量以及業務多元化的持續進展。結果與管理層在利率環境趨緩下對核心銀行業務執行的關注一致。</p>
<h2><strong>2025 年第四季度業績概覽</strong></h2>
<p>富爾頓金融在 2025 年第四季度的收入約為 3.36 億美元，同比增長 5.1%。增長主要得益於淨利息收入的增加，得益於有序的貸款定價和穩定的平均收益資產。淨利息收入上升至約 2.66 億美元，而 2024 年第四季度為 2.54 億美元。隨着資金成本在季度末開始正常化，淨利息利潤率保持穩定。</p>
<p>非利息收入同比增長 6.2%，達到約 7000 萬美元。增長得益於財富管理費用、服務費和抵押貸款銀行收入的增加。來自收費業務的貢獻幫助抵消了與利率相關的波動，並支持了收入多元化。</p>
<p>可供普通股東的淨收入上升至約 9600 萬美元，而一年前為 6600 萬美元。收益受益於運營槓桿、較低的撥備費用和控制的非利息費用。淨利潤率從 2024 年第四季度的 20.7% 改善至約 28.7%，反映出更強的底線轉化能力。</p>
<p>信用表現保持穩定。淨沖銷保持在低位，資產質量指標基本保持不變。管理層在商業房地產和建築貸款方面保持保守的承保姿態。</p>
<h2><strong>2025 年全年業績</strong></h2>
<p>2025 年全年，富爾頓金融報告收入約為 13.1 億美元，同比增長 6.2%。淨利息收入增加至約 10.4 億美元，反映出平均貸款餘額的增加和整個投資組合的有效重新定價。非利息收入穩定在約 2.77 億美元，儘管年初資本市場活動較弱，但收費業務仍顯示出韌性。</p>
<p>全年淨收入上升至約 3.81 億美元，同比增長 36.9%。收益增長顯著超過收入增長，得益於利潤率改善、較低的信用成本和運營紀律。全年淨利潤率擴大至約 29.1%，而 2024 財年的淨利潤率為 22.5%。</p>
<p>資本水平保持強勁。公司繼續有機生成資本，同時通過分紅維持股東回報。流動性指標穩定，得益於多元化的存款基礎和保守的資產負債表定位。</p>
<h2><strong>業務發展與多元化</strong></h2>
<p>富爾頓金融繼續推進其專注於區域擴張和收入多元化的長期戰略。公司在其中大西洋地區投資了商業銀行團隊，目標是中型市場客户和專業貸款領域。財富管理和信託服務的增長仍然是戰略優先事項，提供更穩定的收費收入來源。</p>
<p>數字銀行業務在年內取得進展，增強了財務管理和小型企業平台。這些投資旨在隨着時間的推移改善客户保留率和運營效率。管理層還強調了有序的費用管理和選擇性技術支出，以支持可擴展性。</p>
<h2><strong>展望</strong></h2>
<p>總體而言，2025 年第四季度的業績突顯了富爾頓金融在穩定但競爭激烈的運營環境中改善盈利能力的能力。收入增長保持穩定，而利潤率擴張和成本控制推動了超額的收益增長。公司以平衡的業務組合、穩健的資本狀況和持續關注多元化收入生成的態勢進入 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>富爾頓金融公司 2025 年第四季度財報：在穩定收入增長的基礎上盈利能力改善的文章首次出現在 AlphaStreet 上。</p>

富爾頓金融

<p>富爾頓金融公司（NASDAQ: FULT）在 2025 年第四季度報告了盈利能力的改善，收入約為 3.36 億美元，同比增長 5.1%。主要驅動因素包括淨利息收入約為 2.66 億美元，淨利潤率為 28.7%。全年收入達到 13.1 億美元，增長 6.2%，淨收入上升 36.9%，約為 3.81 億美元。公司專注於區域擴張、收入多元化和數字銀行的提升，以強勁的資本狀況和均衡的業務組合進入 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>富爾頓金融公司（NASDAQ: FULT）公佈了 2025 年第四季度的穩健業績，盈利能力有所改善，收入 modest 增長。業績反映了資產負債表的紀律、穩定的信用質量以及業務多元化的持續進展。結果與管理層在利率環境趨緩下對核心銀行業務執行的關注一致。</p>
</div><h2><strong>Q4 2025 Performance Overview</strong></h2>
<div class="lb-trans"><h2><strong>2025 年第四季度業績概覽</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>富爾頓金融在 2025 年第四季度的收入約為 3.36 億美元，同比增長 5.1%。增長主要得益於淨利息收入的增加，得益於有序的貸款定價和穩定的平均收益資產。淨利息收入上升至約 2.66 億美元，而 2024 年第四季度為 2.54 億美元。隨着資金成本在季度末開始正常化，淨利息利潤率保持穩定。</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>非利息收入同比增長 6.2%，達到約 7000 萬美元。增長得益於財富管理費用、服務費和抵押貸款銀行收入的增加。來自收費業務的貢獻幫助抵消了與利率相關的波動，並支持了收入多元化。</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>可供普通股東的淨收入上升至約 9600 萬美元，而一年前為 6600 萬美元。收益受益於運營槓桿、較低的撥備費用和控制的非利息費用。淨利潤率從 2024 年第四季度的 20.7% 改善至約 28.7%，反映出更強的底線轉化能力。</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>信用表現保持穩定。淨沖銷保持在低位，資產質量指標基本保持不變。管理層在商業房地產和建築貸款方面保持保守的承保姿態。</p>
</div><h2><strong>Full-Year 2025 Results</strong></h2>
<div class="lb-trans"><h2><strong>2025 年全年業績</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，富爾頓金融報告收入約為 13.1 億美元，同比增長 6.2%。淨利息收入增加至約 10.4 億美元，反映出平均貸款餘額的增加和整個投資組合的有效重新定價。非利息收入穩定在約 2.77 億美元，儘管年初資本市場活動較弱，但收費業務仍顯示出韌性。</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>全年淨收入上升至約 3.81 億美元，同比增長 36.9%。收益增長顯著超過收入增長，得益於利潤率改善、較低的信用成本和運營紀律。全年淨利潤率擴大至約 29.1%，而 2024 財年的淨利潤率為 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>資本水平保持強勁。公司繼續有機生成資本，同時通過分紅維持股東回報。流動性指標穩定，得益於多元化的存款基礎和保守的資產負債表定位。</p>
</div><h2><strong>Business Development and Diversification</strong></h2>
<div class="lb-trans"><h2><strong>業務發展與多元化</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>富爾頓金融繼續推進其專注於區域擴張和收入多元化的長期戰略。公司在其中大西洋地區投資了商業銀行團隊，目標是中型市場客户和專業貸款領域。財富管理和信託服務的增長仍然是戰略優先事項，提供更穩定的收費收入來源。</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>數字銀行業務在年內取得進展，增強了財務管理和小型企業平台。這些投資旨在隨着時間的推移改善客户保留率和運營效率。管理層還強調了有序的費用管理和選擇性技術支出，以支持可擴展性。</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>總體而言，2025 年第四季度的業績突顯了富爾頓金融在穩定但競爭激烈的運營環境中改善盈利能力的能力。收入增長保持穩定，而利潤率擴張和成本控制推動了超額的收益增長。公司以平衡的業務組合、穩健的資本狀況和持續關注多元化收入生成的態勢進入 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>
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<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>富爾頓金融公司 2025 年第四季度財報：在穩定收入增長的基礎上盈利能力改善的文章首次出現在 AlphaStreet 上。</p>
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富爾頓金融公司 2025 年第四季度財報：盈利能力因收入穩定增長而提升