Fulton Financial vs First BanCorp

Fulton Financial Corp and First BanCorp Puerto Rico are compared on this page, examining business models, financial performance, and market context in a neutral, accessible way. The aim is to help readers understand how each organisation operates and positions itself in the market. Educational content, not financial advice.

Fulton Financial Corp and First BanCorp Puerto Rico are compared on this page, examining business models, financial performance, and market context in a neutral, accessible way. The aim is to help rea...

Comparison Snapshot

Key Financial Metrics

FULT

Metric

FBP

$3.54B

Market Cap

$3.32B

0.76%

Potential Profit

9.45%

Buy

Analyst Rating

Buy

Investment Analysis

Fulton Financial

FULT

Pros

Reported record operating net income of over $101 million in Q3 2025, demonstrating strong profitability.
Maintains a solid net interest margin of 3.57%, with improvement in cost of funds efficiency.
Projected revenue growth with forecasts of $1.5 billion by 2028, implying steady long-term expansion.

Considerations

Non-interest expenses increased notably in the third quarter, indicating rising operational costs.
Deposit growth has been disappointing recently, potentially limiting loan expansion capabilities.
Regulatory capital ratios remain moderate, with a Common Equity Tier 1 ratio around 11.5%, which could constrain aggressive growth.

First BanCorp

FBP

Pros

Maintains a stable stock price in the $19.66 to $20.09 range, indicating relative market confidence.
Operates in Puerto Rico with a potentially less competitive regional banking market.
Exposure to diverse financial services may offer revenue diversification in regional markets.

Considerations

Limited recent information on profitability and growth trends compared to peers, indicating possible transparency or size limitations.
Potential macroeconomic and regulatory risks specific to Puerto Rico's banking sector may affect stability.
Smaller market capitalisation and lower liquidity may increase stock volatility and investment risk.

About The Companies

Fulton Financial (FULT)

Fulton Financial Corporation (FULT) is a US regional bank holding company offering commercial banking, consumer deposits, mortgage lending and wealth-management services across a multi-state footprint in the Mid‑Atlantic and Northeastern United States. With a market capitalisation near $3.23 billion, Fulton earns revenue from net interest income and fees; its results are influenced by loan growth, deposit trends and net interest margin. Key considerations for investors include sensitivity to interest-rate moves, the quality of the loan portfolio and exposure to regional economic cycles. Competition from larger banks and fintechs, along with regulatory requirements, can affect growth and costs. Fulton has historically pursued a mix of organic growth and targeted acquisitions to expand its footprint. This summary is educational only — not personalised advice — and investors should review the company’s financial statements, dividend policy and risk disclosures before deciding if the stock suits their objectives and risk tolerance.

First BanCorp (FBP)

First BanCorp is a financial holding company operating primarily through its main subsidiary, FirstBank Puerto Rico. It serves a diverse clientele, including small to mid-sized businesses and individual consumers. The company's operations are organised into several segments: Commercial and Corporate Banking, Consumer (Retail) Banking, and Mortgage Banking. It also manages Treasury and Investments. Geographically, First BanCorp has a significant presence not only in Puerto Rico but also through its United States Operations on the mainland and its Virgin Islands Operations, which cover both the U.S. and British Virgin Islands. This structure allows it to offer a comprehensive range of financial services across key Caribbean and U.S. markets. As with any investment, the value can go down as well as up, and returns are not guaranteed. This information is for educational purposes and not financial advice.

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Comparison Snapshot