Fulton Financial’s first quarter saw stable performance, with management crediting steady loan activity, disciplined expense management, and continued investment in core banking talent. CEO Curtis Myers highlighted growth in commercial mortgage lending and a strategic in-market loan portfolio purchase as key contributors to loan balances, while noninterest income growth in Wealth Management offset seasonal declines in other fee categories. Myers emphasized, “Our teams across the organization remain focused on serving customers and operating efficiently in a dynamic environment.”

Is now the time to buy FULT? Find out in our full research report (it’s free for active Edge members).

While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.

Our Top 5 Analyst Questions From Fulton Financial’s Q1 Earnings Call

• Daniel Tamayo (Raymond James) asked about the pace of expense growth and cost savings post-BlueFoundry integration. CFO Richard Kraemer said expense progression will move from the current $191 million operating base toward $200 million by year-end, with BlueFoundry cost savings ramping to a 50% run rate by the fourth quarter.
• Daniel Tamayo (Raymond James) followed up on credit quality trends. Kraemer replied that classified and criticized assets are trending down, and nonperforming assets are improving, indicating stable credit metrics.
• Daniel Tamayo (Raymond James) also asked about the sustainability of deposit growth. Kraemer said trends should be consistent, with some impact from BlueFoundry's lower noninterest-bearing deposit concentration but overall stability in core deposit balances.
• David Bishop (Hovde Group) questioned which geographies drove loan growth and the effect of prepayments. CEO Curtis Myers noted expansion across the footprint and higher pipelines, with construction loan runoff noted as a continuing headwind.
• Matthew Breese (Stephens Inc.) asked about the size and nature of the commercial portfolio purchase. Myers confirmed it was a $200 million in-market portfolio, aligned with the company's strategy and customer base.

Catalysts in Upcoming Quarters

In the coming quarters, the StockStory team will monitor (1) the pace and effectiveness of BlueFoundry Bancorp integration, including realized cost savings and relationship expansion; (2) sustained momentum in commercial loan originations and pipeline growth; and (3) the stability of deposit growth and funding costs as market competition evolves. Asset repricing outcomes and regulatory developments will also be closely tracked for their impact on profitability.

Fulton Financial currently trades at $21.73, in line with $21.84 just before the earnings. At this price, is it a buy or sell? The answer lies in our full research report (it’s free).

High-Quality Stocks for All Market Conditions

ONE MORE THING: Top 6 Stocks for This Week. This market is separating quality stocks from expensive ones fast. AI taking down whole sectors with no warning. In a rotation this fast, you need more than a list of good companies.

Our AI system flagged Palantir before it ran 1,662%. AppLovin before it ran 753%. Nvidia before it ran 1,178%. Each week it produces 6 new names that pass the same tests. Get Our Top 6 Stocks for Free HERE.

Stocks that have made our list include now familiar names such as Nvidia (+1,326% between June 2020 and June 2025) as well as under-the-radar businesses like the once-small-cap company Comfort Systems (+782% five-year return). Find your next big winner with StockStory today.