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Fullnet Communications Inc. (FULO) Stock Fundamental Analysis & AI Rating 2026

FULO OTC Telephone Communications (No Radiotelephone) OK CIK: 0001092570
Updated This Month • Analysis: Mar 25, 2026 • SEC Data: 2023-12-31
Combined AI Rating
BUY
65% Confidence
AGREEMENT
HOLD
62% Conf
BUY
68% Conf

📊 FULO Key Takeaways

Revenue: $4.2M
Net Margin: 12.7%
Free Cash Flow: $690.3K
Current Ratio: 1.78x
Debt/Equity: 0.09x
EPS: $0.02
AI Rating: HOLD with 62% confidence
Fullnet Communications Inc. (FULO) receives a BUY rating with 65% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $4.2M, net profit margin of 12.7%, and return on equity (ROE) of 32.8%, Fullnet Communications Inc. demonstrates strong fundamentals in the Telecom sector. Below is our complete FULO stock analysis for 2026.

Is Fullnet Communications Inc. (FULO) a Good Investment?

Claude

Fullnet Communications demonstrates solid profitability with strong margins (74.9% gross, 12.7% net) and excellent returns on equity (32.8%) and assets (15.6%), supported by robust free cash flow generation of $690.3K. However, the analysis is constrained by stale financial data (2023-12-31), declining revenue (-1.8% YoY), minimal scale ($4.2M revenue), and lack of recent insider confidence signals, creating significant uncertainty about current operational trajectory.

ChatGPT

FULLNET COMMUNICATIONS shows solid underlying fundamentals for its size, with high gross margins, double-digit operating and net margins, and free cash flow that exceeds reported earnings quality. The balance sheet is conservative, with low leverage and substantial cash, but the investment case is tempered by slight revenue contraction, very small scale, and stale financial data.

Why Buy Fullnet Communications Inc. Stock? FULO Key Strengths

Claude
  • + Exceptional profitability margins with 12.7% net margin and 74.9% gross margin indicating strong pricing power and cost control
  • + Outstanding capital efficiency with ROE of 32.8% and ROA of 15.6% demonstrating effective asset utilization
  • + Strong free cash flow generation ($690.3K FCF margin of 16.5%) with zero capital expenditure requirements, providing financial flexibility
  • + Conservative balance sheet with low leverage (0.09x debt/equity ratio) and liquid position of $3.1M cash relative to total assets of $3.4M
ChatGPT
  • + Strong profitability profile with 74.9% gross margin and 12.7% net margin
  • + Healthy cash generation, with operating cash flow and free cash flow above net income
  • + Low leverage and strong liquidity supported by a large cash balance

FULO Stock Risks: Fullnet Communications Inc. Investment Risks

Claude
  • ! Revenue contraction of 1.8% YoY signals declining market demand or competitive pressure despite profitability improvements
  • ! Severely stale financial data from December 31, 2023 creates material uncertainty about current financial condition and operational status
  • ! Micro-cap scale ($4.2M revenue, $1.6M equity) with extremely limited financial runway and operational flexibility in competitive telecom sector
  • ! Zero insider Form 4 filings in last 90 days suggests either complete management inactivity or lack of trading activity, raising governance and liquidity concerns
  • ! Undisclosed interest coverage ratio and minimal transparency on debt service obligations create hidden financial stress risks
ChatGPT
  • ! Revenue declined year over year, raising concerns about growth durability
  • ! Very small asset and revenue base increases operating concentration and business fragility
  • ! Financial data is dated to 2023-12-31, limiting confidence in current conditions

Key Metrics to Watch

Claude
  • * Revenue trend and year-over-year growth rate to confirm whether decline is stabilizing or accelerating
  • * Operating cash flow sustainability and cash burn rate relative to $3.1M cash balance to assess runway
  • * Gross margin trajectory to identify pricing pressure or cost inflation impacts in telecommunications operations
ChatGPT
  • * Revenue growth and customer retention trends
  • * Operating cash flow conversion relative to net income

Fullnet Communications Inc. (FULO) Financial Metrics & Key Ratios

Revenue
$4.2M
Net Income
$532.1K
EPS (Diluted)
$0.02
Free Cash Flow
$690.3K
Total Assets
$3.4M
Cash Position
$3.1M

💡 AI Analyst Insight

Fullnet Communications Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.

FULO Profit Margin, ROE & Profitability Analysis

Gross Margin 74.9%
Operating Margin 12.2%
Net Margin 12.7%
ROE 32.8%
ROA 15.6%
FCF Margin 16.5%

FULO vs Telecom Sector: How Fullnet Communications Inc. Compares

How Fullnet Communications Inc. compares to Telecom sector averages

Net Margin
FULO 12.7%
vs
Sector Avg 14.0%
FULO Sector
ROE
FULO 32.8%
vs
Sector Avg 15.0%
FULO Sector
Current Ratio
FULO 1.8x
vs
Sector Avg 1.0x
FULO Sector
Debt/Equity
FULO 0.1x
vs
Sector Avg 1.2x
FULO Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Fullnet Communications Inc. Stock Overvalued? FULO Valuation Analysis 2026

Based on fundamental analysis, Fullnet Communications Inc. appears fundamentally strong relative to the Telecom sector in 2026.

Return on Equity
32.8%
Sector avg: 15%
Net Profit Margin
12.7%
Sector avg: 14%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.09x
Sector avg: 1.2x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

Fullnet Communications Inc. Balance Sheet: FULO Debt, Cash & Liquidity

Current Ratio
1.78x
Quick Ratio
1.78x
Debt/Equity
0.09x
Debt/Assets
52.3%
Interest Coverage
N/A
Long-term Debt
$149.0K

FULO Revenue & Earnings Growth: 5-Year Financial Trend

FULO 5-year financial data: Year 2019: Revenue $2.4M, Net Income $267.1K, EPS $0.01. Year 2020: Revenue $3.5M, Net Income $317.3K, EPS N/A. Year 2021: Revenue $4.1M, Net Income $1.1M, EPS $0.07. Year 2022: Revenue $4.3M, Net Income $893.0K, EPS $0.05. Year 2023: Revenue $4.3M, Net Income $893.0K, EPS $0.03.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Fullnet Communications Inc.'s revenue has grown significantly by 76% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.03 reflects profitable operations.

FULO Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
16.5%
Free cash flow / Revenue

FULO Quarterly Earnings & Performance

Quarterly financial performance data for Fullnet Communications Inc. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q2 2018 $460.4K $2.6K $0.00
Q1 2018 $465.6K -$1.5K $0.00
Q3 2017 $478.6K -$4.3K N/A
Q2 2017 $11.3K -$2.3K N/A
Q1 2017 $11.9K -$1.5K N/A
Q3 2016 $14.4K -$4.3K N/A
Q2 2016 $14.9K -$2.3K N/A
Q1 2016 $16.9K -$19.7K N/A

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

Fullnet Communications Inc. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$690.3K
Cash generated from operations
Dividends Paid
$257.1K
Returned to shareholders

FULO SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Fullnet Communications Inc. (CIK: 0001092570)

📋 Recent SEC Filings

Date Form Document Action
May 15, 2024 8-K dividenddeclaration2024_8k.htm View →
May 7, 2024 8-K changesinregistrantscertifyi.htm View →
Apr 1, 2024 10-K fulo-20231231.htm View →
Feb 15, 2024 8-K dividenddeclaration2024_8k.htm View →
Jan 16, 2024 8-K dividenddeclaration2024_8k.htm View →

Frequently Asked Questions about FULO

What is the AI rating for FULO?

Fullnet Communications Inc. (FULO) has a Combined AI Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 65% combined confidence, based on fundamental analysis of SEC EDGAR filings.

What are FULO's key strengths?

Claude: Exceptional profitability margins with 12.7% net margin and 74.9% gross margin indicating strong pricing power and cost control. Outstanding capital efficiency with ROE of 32.8% and ROA of 15.6% demonstrating effective asset utilization. ChatGPT: Strong profitability profile with 74.9% gross margin and 12.7% net margin. Healthy cash generation, with operating cash flow and free cash flow above net income.

What are the risks of investing in FULO?

Claude: Revenue contraction of 1.8% YoY signals declining market demand or competitive pressure despite profitability improvements. Severely stale financial data from December 31, 2023 creates material uncertainty about current financial condition and operational status. ChatGPT: Revenue declined year over year, raising concerns about growth durability. Very small asset and revenue base increases operating concentration and business fragility.

What is FULO's revenue and growth?

Fullnet Communications Inc. reported revenue of $4.2M.

Does FULO pay dividends?

Fullnet Communications Inc. pays dividends, with $0.3M distributed to shareholders in the trailing twelve months.

Where can I find FULO SEC filings?

Official SEC filings for Fullnet Communications Inc. (CIK: 0001092570) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is FULO's EPS?

Fullnet Communications Inc. has a diluted EPS of $0.02.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is FULO a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Fullnet Communications Inc. has a BUY rating with 65% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.

Is FULO stock overvalued or undervalued?

Valuation metrics for FULO: ROE of 32.8% (sector avg: 15%), net margin of 12.7% (sector avg: 14%). Higher ROE suggests strong returns relative to peers.

Should I buy FULO stock in 2026?

Our dual AI analysis gives Fullnet Communications Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.

What is FULO's free cash flow?

Fullnet Communications Inc.'s operating cash flow is $690.3K, with capital expenditures of $0.0. FCF margin is 16.5%.

How does FULO compare to other Telecom stocks?

Vs Telecom sector averages: Net margin 12.7% (avg: 14%), ROE 32.8% (avg: 15%), current ratio 1.78 (avg: 1).

Why is FULO's return on equity (ROE) so high?

Fullnet Communications Inc. has a return on equity of 32.8%, significantly above the Telecom sector average of 15%. A high ROE indicates the company is efficient at generating profits from shareholder equity. This is supported by a 12.7% net margin.

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 25, 2026 | Data as of: 2023-12-31 | Powered by Claude AI