FULT (FULT)

$21.69
+1.69%
$4.1B
Market Cap
10.3
P/E Ratio
0.82
Beta
3.50%
Dividend Yield
Piotroski 5/9Altman Z 0.2 Distress

Quantitative Summary

Deterministic

Financial health is average: Piotroski 5/9, Altman Z 0.2. DCF fair value of $15 implies 30% downside based on model assumptions.

Generated deterministically from quant metrics and financial statements. Not a recommendation.

DCF Sandbox

Interactive
Market Price
$21.69
Fair Value
$15
Implied Upside
-30.5%
$15IMPLIED FAIR VALUEOVERVALUEDOVERUNDER
Growth Rate (Y1–5)-8%
-10%20%50%
Discount Rate (WACC)9.2%
5%12.5%20%

5-year two-stage DCF. Terminal growth 3%. Default sliders match the pre-computed base case. Drag to explore scenarios. Not investment advice.

Reverse DCFMarket-Implied
3.5%annual FCF growth priced in at $21.69

The growth rate the market implicitly expects over the next 10 years to justify today's price. Compare with historical growth of 11% YoY revenue.

Sensitivity Matrix

TG ↓ / WACC →7.2%9.2%11.2%
2%$18$14$11
3%$21$15$12
4%$26$17$13

Center = base case. Green = >10% upside, Red = >10% downside vs $21.69.

Pre-computed DCF: WACC=9.2%, terminal growth 3%. Fair value $15 (-30.0%). Not investment advice.

Price Chart with Moving Averages

Loading chart...
SMA 50 SMA 200

Technical Setup

AI Generated

FULT is currently trading at $21.41, a specific price point that requires contextual analysis against its moving averages to determine the prevailing trend direction and momentum strength. Without explicit data regarding whether this price sits above or below key short-term or long-term moving averages, it remains impossible to definitively characterize the asset as being in an uptrend, downtrend, or consolidation phase based solely on the provided figure. The absence of these comparative metrics limits the ability to assess if recent price action represents a continuation of prior movement or a potential reversal signal. Regarding short-term momentum indicators like the Relative Strength Index (RSI), no numerical values are available in the current dataset to evaluate overbought or oversold conditions. Consequently, there is insufficient information to infer whether buying pressure has intensified significantly or if selling dominance might be emerging within the immediate timeframe. A complete technical assessment typically relies on synthesizing price position relative to trend lines with oscillator readings; however, this specific snapshot lacks the necessary variables to construct such a profile. The available data point of $21.41 serves only as an entry-level observation without context from historical averages or momentum oscillators. Any interpretation regarding future directional bias would be speculative in the absence of moving average crossovers or RSI levels that confirm market sentiment. Stakeholders must await further data points, such as specific MA positions and oscillator readings, before forming a comprehensive view on the stock's technical trajectory.

RSI (14)
SMA 50
SMA 200

Quant Health Deep Dive

5/9
Piotroski F-Score
Average — mixed operational signals
0.2
Altman Z-Score
Distress Zone — below 1.8 threshold per academic model. Thresholds: >3 safe, 1.8–3 grey, <1.8 distress.

Profitability & Value Creation

29.8%
Net Margin
9.2%
WACC
+11.4%
Revenue Growth (YoY)
+35.6%
Earnings Growth (YoY)
284.3M
Free Cash Flow
50%
FCF Payout Ratio

✅ Conservative payout — room for dividend increases.

DuPont Analysis — ROE Decomposition

Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.

29.8%
Net Profit Margin
NI ÷ Revenue
×
0.04x
Asset Turnover
Revenue ÷ Assets
×
9.20x
Equity Multiplier
Assets ÷ Equity
=
11.2%
Return on Equity
⚠️ High equity multiplier — ROE is being amplified by leverage, not operational excellence.

Balance Sheet Health

8.20x
Debt / Equity
7.62%
FCF Yield

Insider Activity (Last 90 Days)

Net Insider Flow
$-97,750
Net Selling
0
Buy Transactions
1
Sale Transactions
2026-03-09TAYLOR BERNADETTE MOther425 shares
2026-01-12WENGER E PHILIPSold 2/8 qtrsSale$97,750

Open-market buys vs sells by company insiders. Source: yfinance.

Earnings Surprise History

Q4
✓ Beat
Est: $0.43
Act: $0.52
+20.9%
Q3
✓ Beat
Est: $0.45
Act: $0.55
+22.7%
Q2
✓ Beat
Est: $0.50
Act: $0.55
+9.6%
Q1
✓ Beat
Est: $0.50
Act: $0.55
+9.1%

EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.

Dividend History

$0.1900
Latest Dividend
$0.73
2025 Total
+5.8%
YoY Growth
2 yrs
Consecutive Increases
Annual Dividends per Share
$0.14
2017
$0.52
2018
$0.56
2019
$0.56
2020
$0.64
2021
$0.66
2022
$0.64
2023
$0.69
2024
$0.73
2025
$0.19
2026
DateAmountChange
2026-04-01$0.19000.0%
2025-12-31$0.1900+5.6%
2025-10-01$0.18000.0%
2025-07-01$0.18000.0%
2025-04-01$0.18000.0%
2024-12-31$0.1800+5.9%
2024-10-01$0.17000.0%
2024-07-01$0.17000.0%
2024-03-28$0.17000.0%
2023-12-29$0.1700+6.3%
2023-09-29$0.16000.0%
2023-06-30$0.1600+6.7%
Stock Splits
2006-05-17: 1.05:12005-06-09: 1.25:12004-05-12: 1.05:12003-04-28: 1.05:12002-05-21: 1.25:12001-04-30: 1.05:12000-05-04: 1.05:11999-05-06: 1.1:11998-05-28: 1.25:11997-05-21: 1.1:1

Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.

Risk Profile

30.9%
Annual Volatility
1.09
Sharpe (1Y)
0.62
Sharpe (3Y)
-29.9%
Max Drawdown (3Y)
-47.4%
Max Drawdown (5Y)

Sharpe = risk-adjusted return (higher is better). Max drawdown = largest peak-to-trough decline. 1,200+ trading days.

Underwater (Drawdown from Peak)

How far below the all-time high the price has been over time. Deeper = more pain for holders.

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Rolling 60-Day Beta vs S&P 500 (VOO)

How the stock's sensitivity to market moves changes over time. β > 1 = more volatile than the market.

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Rolling Beta Market (β = 1.0)

Fundamentals

9.2
Forward P/E
1.54
PEG Ratio
1.18
Price/Book
2M
Avg Volume
$22.99
52W High
$16.60
52W Low
80%
52W Range Position

Passive Flow Attribution

ETF Draft Effect
$215M
Tracked Passive Exposure
8
ETFs Holding FULT
0.10%
Avg Weight in ETFs
$216B
Total ETF AUM

When investors buy or sell ETFs like KRE or KBE, the fund manager is mechanically forced to buy or sell FULT shares regardless of FULT's individual fundamentals. We estimate $215M of passive capital is structurally linked to FULT through 8 tracked ETFs. Passive flows have a limited but growing influence on FULT's daily trading dynamics.

Passive exposure = Σ (ETF AUM × stock weight in ETF) across 8 tracked ETFs. Actual passive ownership is larger (includes mutual funds). Not investment advice.

ETF Contagion Visualizer

Simulate a price drop in FULT to visualize passive redemption contagion across ETFs and collateral stocks.

FULT Shock
-0%
Est. Passive Redemption
$0
Systemic Risk
STABLE
FULTEpicenterVYMETFVBRETFVTWOETFAUBHigh RiskABCBHigh RiskBANCHigh RiskFHBHigh RiskFIBKHigh Risk
FULT Price Drop (%)0

If FULT (FULT) experiences a significant drawdown, ETF redemptions can create collateral selling pressure on co-held stocks. Our model identifies ATLANTIC UNION BANKSHARES CO (AUB) as the most exposed collateral stock, sharing 4 ETFs with FULT. This is the "Passive Contagion" effect described in the Inelastic Market Hypothesis.

Contagion model based on shared ETF exposure and constituent weights across 11 tracked ETFs. Estimated selling pressure is a simplified model — actual impact depends on market liquidity, ETF redemption mechanics, and market-maker activity.

FULT Ownership Dynamics

Passive funds hold 1 in every 18 FULT shares, reducing daily market volatility.

Ticker
FULT
Total Shares
191M
ETF Lock-Up
5.7%
Display Mode
Total Float Impact
5.7%Locked Float

FULT (FULT) exerts measurable gravity on the passive index market, currently representing 1.3% of the KRE (KRE) and 1.0% of the KBE (KBE). Across 11 tracked ETFs, approximately 11M shares (5.7% of float) are held by passive funds and rarely trade on the open market. As passive ownership grows, index inclusion changes may increasingly drive price discovery.

Float lock-up computed from 11 ETFs tracked by SecuritiesDB. Actual passive ownership is higher (includes mutual funds, pension funds, etc.).

FULT Institutional Volume Profile

252-day volume distribution by price level. The Point of Control (POC) marks the price where the most institutional volume transacted — an implicit support/resistance floor.

TICKER
FULT
PRICE
$21.69
FLOOR (POC)
$19.84
STRENGTH
Medium
$17$17$176%$187%$18$187%$19$197%$196%$207%$20POC 9%$207%$21$21$21$216%$22$21.69$22$22$23
Focus Zone
Point of Control (POC) Support (below price) Resistance (above price) Current Price

The highest-volume price zone for FULT over the past year sits near $19.84 (9% of 252-day volume). The current price of $21.69 trades 9.3% above this institutional floor — a sign of upside momentum, though a pullback to the POC zone is a common reversion target.

Volume Profile computed from 252 trading days of OHLCV data. Volume allocated to price bins proportionally based on daily high-low range. Not investment advice.

Fails-to-Deliver (FTD) History

SEC-reported settlement failures. Elevated FTDs can indicate high short-selling pressure, operational settlement issues, or naked shorting activity.

DateFailed SharesClose PriceNotional Value
2026-05-135,869$21.13$124,011.97
2026-05-061$21.58$21.58
2026-05-051$21.20$21.2
2026-05-041$21.62$21.62
2026-05-0127,072$21.59$584,484.48
2026-04-30173$21.39$3,700.47
2026-04-29187$21.73$4,063.51
2026-04-281$21.92$21.92
2026-04-271$21.43$21.43
2026-04-241$22.08$22.08
2026-04-231$21.84$21.84
2026-04-221$21.86$21.86
2026-04-211$22.12$22.12
2026-04-201$21.99$21.99
2026-04-179$21.44$192.96
2026-04-161$21.74$21.74
2026-04-151$21.72$21.72
2026-04-141$21.62$21.62
2026-04-131$21.54$21.54
2026-04-1035$21.82$763.7
2026-04-091$21.33$21.33
2026-04-08635$20.80$13,208
2026-04-071$20.77$20.77
2026-04-061$20.53$20.53
2026-04-0225$20.58$514.5
2026-04-0165,833$20.34$1.3M
2026-03-271,523$20.16$30,703.68
2026-03-231,409$19.62$27,644.58
2026-03-163,088$19.65$60,679.2
2026-03-1359$19.72$1,163.48

Source: SEC Regulation SHO FTD data. Data is reported with a ~30 day delay. High FTD quantities relative to average daily volume may indicate settlement stress.

Price Correlations

Statistical correlation of daily returns with other stocks. High correlations indicate stocks that move together; negative correlations can offer diversification.

Peer252-Day (1Y)126-Day (6M)Direction
WTGXXNaNNaN
ASB0.8970.905High co-movement
FNB0.8960.895High co-movement
HWC0.8870.886High co-movement
AUB0.8870.880High co-movement
ONB0.8870.901High co-movement
WTFC0.8780.883High co-movement
CFG0.8640.856High co-movement
VLY0.8590.847High co-movement
ZION0.8580.857High co-movement

Pearson correlation of daily log returns. 252d ≈ 1 trading year. Computed from price history. Not investment advice.

Compare FULT to Peers

Quant metrics computed deterministically from financial statements and price data. Updated: 2026-06-02.

SecuritiesDB provides programmatic data aggregation for informational purposes only. None of the metrics, summaries, or algorithmic flags constitute a recommendation to buy or sell any security.