FIRST HORIZON CORP(NYSE:FHN) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, FHN scores 3 out of 10 in our fundamental rating. FHN was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of FHN have multiple concerns. FHN has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

FHN had positive earnings in the past year.

FHN had a positive operating cash flow in the past year.

In the past 5 years FHN has always been profitable.

In the past 5 years FHN always reported a positive cash flow from operatings.

1.2 Ratios

With a Return On Assets value of 0.90%, FHN perfoms like the industry average, outperforming 56.57% of the companies in the same industry.

FHN has a Return On Equity (8.37%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.9%
ROE	8.37%
ROIC	N/A

ROA(3y)1.02%

ROA(5y)1.02%

ROE(3y)9.5%

ROE(5y)10.1%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FHN's Profit Margin of 23.14% is in line compared to the rest of the industry. FHN outperforms 47.73% of its industry peers.

In the last couple of years the Profit Margin of FHN has remained more or less at the same level.

FHN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.14%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.62%

PM growth 5Y-0.16%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FHN does not have a ROIC to compare to the WACC, probably because it is not profitable.

FHN has less shares outstanding than it did 1 year ago.

FHN has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, FHN has a worse debt to assets ratio.

2.2 Solvency

FHN has a debt to FCF ratio of 3.75. This is a good value and a sign of high solvency as FHN would need 3.75 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 3.75, FHN is doing worse than 66.41% of the companies in the same industry.

A Debt/Equity ratio of 0.52 indicates that FHN is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.52, FHN is doing worse than 79.29% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.52
Debt/FCF	3.75
Altman-Z	N/A

ROIC/WACCN/A

WACC17.11%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 22.56% over the past year.

Measured over the past years, FHN shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.35% on average per year.

The Revenue has decreased by -7.12% in the past year.

The Revenue has been growing by 11.34% on average over the past years. This is quite good.

EPS 1Y (TTM)22.56%

EPS 3Y-9%

EPS 5Y-1.35%

EPS Q2Q%20%

Revenue 1Y (TTM)-7.12%

Revenue growth 3Y1.29%

Revenue growth 5Y11.34%

Sales Q2Q%-0.85%

3.2 Future

The Earnings Per Share is expected to grow by 10.24% on average over the next years. This is quite good.

Based on estimates for the next years, FHN will show a small growth in Revenue. The Revenue will grow by 3.25% on average per year.

EPS Next Y10.03%

EPS Next 2Y9.93%

EPS Next 3Y10.24%

EPS Next 5YN/A

Revenue Next Year2.05%

Revenue Next 2Y3.03%

Revenue Next 3Y3.25%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.12, which indicates a correct valuation of FHN.

Compared to the rest of the industry, the Price/Earnings ratio of FHN is on the same level as its industry peers.

FHN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.03.

With a Price/Forward Earnings ratio of 10.48, the valuation of FHN can be described as very reasonable.

FHN's Price/Forward Earnings ratio is in line with the industry average.

FHN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.94, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.12
Fwd PE	10.48

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FHN is valued a bit cheaper than 78.28% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.18
EV/EBITDA	N/A

4.3 Compensation for Growth

FHN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.21

PEG (5Y)N/A

EPS Next 2Y9.93%

EPS Next 3Y10.24%

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5. Dividend

5.1 Amount

FHN has a Yearly Dividend Yield of 2.96%. Purely for dividend investing, there may be better candidates out there.

FHN's Dividend Yield is comparable with the industry average which is at 3.34.

FHN's Dividend Yield is a higher than the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	2.96%

5.2 History

The dividend of FHN has a limited annual growth rate of 3.44%.

FHN has been paying a dividend for at least 10 years, so it has a reliable track record.

FHN has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)3.44%

Div Incr Years0

Div Non Decr Years13

5.3 Sustainability

FHN pays out 48.92% of its income as dividend. This is a bit on the high side, but may be sustainable.

FHN's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP48.92%

EPS Next 2Y9.93%

EPS Next 3Y10.24%

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FIRST HORIZON CORP

NYSE:FHN (5/22/2025, 4:03:31 PM)

After market: 19.76 0 (0%)

19.76

+0.33 (+1.7%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-16 2025-04-16/bmo

Earnings (Next)07-15 2025-07-15/bmo

Inst Owners85.95%

Inst Owner Change-2.48%

Ins Owners0.86%

Ins Owner Change-2.98%

Market Cap10.02B

Analysts78.95

Price Target22.48 (13.77%)

Short Float %2.58%

Short Ratio1.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.96%

Yearly Dividend0.67

Dividend Growth(5Y)3.44%

DP48.92%

Div Incr Years0

Div Non Decr Years13

Ex-Date06-13 2025-06-13 (0.15)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)9.43%

Min EPS beat(2)8.83%

Max EPS beat(2)10.03%

EPS beat(4)3

Avg EPS beat(4)4.72%

Min EPS beat(4)-2.8%

Max EPS beat(4)10.03%

EPS beat(8)5

Avg EPS beat(8)2.93%

EPS beat(12)8

Avg EPS beat(12)2.75%

EPS beat(16)12

Avg EPS beat(16)9.26%

Revenue beat(2)0

Avg Revenue beat(2)-10.43%

Min Revenue beat(2)-20.5%

Max Revenue beat(2)-0.37%

Revenue beat(4)1

Avg Revenue beat(4)-5.63%

Min Revenue beat(4)-20.5%

Max Revenue beat(4)0.17%

Revenue beat(8)3

Avg Revenue beat(8)-3.03%

Revenue beat(12)6

Avg Revenue beat(12)-1.34%

Revenue beat(16)9

Avg Revenue beat(16)-0.69%

PT rev (1m)-4.33%

PT rev (3m)-4.92%

EPS NQ rev (1m)0.2%

EPS NQ rev (3m)1.4%

EPS NY rev (1m)0.59%

EPS NY rev (3m)0.7%

Revenue NQ rev (1m)-0.01%

Revenue NQ rev (3m)-0.12%

Revenue NY rev (1m)-0.59%

Revenue NY rev (3m)-0.85%

Valuation

		Industry Rank	Sector Rank
PE	12.12
Fwd PE	10.48
P/S	3.14
P/FCF	8.18
P/OCF	7.9
P/B	1.14
P/tB	1.4
EV/EBITDA	N/A

EPS(TTM)1.63

EY8.25%

EPS(NY)1.89

Fwd EY9.54%

FCF(TTM)2.41

FCFY12.22%

OCF(TTM)2.5

OCFY12.66%

SpS6.29

BVpS17.39

TBVpS14.09

PEG (NY)1.21

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.9%
ROE	8.37%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.14%
GM	N/A
FCFM	38.38%

ROA(3y)1.02%

ROA(5y)1.02%

ROE(3y)9.5%

ROE(5y)10.1%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.62%

PM growth 5Y-0.16%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.52
Debt/FCF	3.75
Debt/EBITDA	N/A
Cap/Depr	44.44%
Cap/Sales	1.38%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	165.85%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC17.11%

ROIC/WACCN/A

Cap/Depr(3y)35.39%

Cap/Depr(5y)42.9%

Cap/Sales(3y)1.11%

Cap/Sales(5y)1.38%

Profit Quality(3y)190.82%

Profit Quality(5y)131.57%

High Growth Momentum

Growth

EPS 1Y (TTM)22.56%

EPS 3Y-9%

EPS 5Y-1.35%

EPS Q2Q%20%

EPS Next Y10.03%

EPS Next 2Y9.93%

EPS Next 3Y10.24%

EPS Next 5YN/A

Revenue 1Y (TTM)-7.12%

Revenue growth 3Y1.29%

Revenue growth 5Y11.34%

Sales Q2Q%-0.85%

Revenue Next Year2.05%

Revenue Next 2Y3.03%

Revenue Next 3Y3.25%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-3.01%

FCF growth 3Y21.17%

FCF growth 5Y9.4%

OCF growth 1Y-2.39%

OCF growth 3Y19.61%

OCF growth 5Y8.84%

FIRST HORIZON CORP (FHN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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