FHN Fundamental Analysis - FIRST HORIZON CORP

Fundamental Rating

Taking everything into account, FHN scores 3 out of 10 in our fundamental rating. FHN was compared to 393 industry peers in the Banks industry. While FHN is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, FHN is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

FHN had positive earnings in the past year.

In the past year FHN had a positive cash flow from operations.

Each year in the past 5 years FHN has been profitable.

FHN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

FHN has a better Return On Assets (0.99%) than 63.87% of its industry peers.

FHN has a Return On Equity of 9.11%. This is comparable to the rest of the industry: FHN outperforms 57.76% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.99%
ROE	9.11%
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

Looking at the Profit Margin, with a value of 25.52%, FHN is in the better half of the industry, outperforming 62.85% of the companies in the same industry.

FHN's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for FHN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.52%
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.

The number of shares outstanding for FHN has been increased compared to 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 4.95. This is a neutral value as FHN would need 4.95 years to pay back of all of its debts.

With a Debt to FCF ratio value of 4.95, FHN is not doing good in the industry: 67.68% of the companies in the same industry are doing better.

A Debt/Equity ratio of 0.54 indicates that FHN is somewhat dependend on debt financing.

The Debt to Equity ratio of FHN (0.54) is worse than 78.12% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.54
Debt/FCF	4.95
Altman-Z	N/A

ROIC/WACCN/A

WACC16.11%

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 32.31% over the past year.

FHN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.35% yearly.

Looking at the last year, FHN shows a decrease in Revenue. The Revenue has decreased by -0.44% in the last year.

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

EPS 1Y (TTM)32.31%

EPS 3Y-9%

EPS 5Y-1.35%

EPS Q2Q%25%

Revenue 1Y (TTM)-0.44%

Revenue growth 3Y1.29%

Revenue growth 5Y11.34%

Sales Q2Q%1.84%

3.2 Future

FHN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.74% yearly.

FHN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.25% yearly.

EPS Next Y13.07%

EPS Next 2Y10.2%

EPS Next 3Y9.74%

EPS Next 5YN/A

Revenue Next Year1.63%

Revenue Next 2Y2.65%

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

A Price/Earnings ratio of 13.31 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.

When comparing the Price/Earnings ratio of FHN to the average of the S&P500 Index (27.08), we can say FHN is valued rather cheaply.

FHN is valuated correctly with a Price/Forward Earnings ratio of 12.08.

Based on the Price/Forward Earnings ratio, FHN is valued a bit more expensive than 64.38% of the companies in the same industry.

FHN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.31
Fwd PE	12.08

4.2 Price Multiples

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

		Industry Rank	Sector Rank
P/FCF	11.97
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)1.02

PEG (5Y)N/A

EPS Next 2Y10.2%

EPS Next 3Y9.74%

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5. Dividend

5.1 Amount

FHN has a Yearly Dividend Yield of 2.73%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.30, FHN has a dividend in line with its industry peers.

FHN's Dividend Yield is comparable with the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	2.73%

5.2 History

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

FHN has paid a dividend for at least 10 years, which is 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

42.77% of the earnings are spent on dividend by FHN. 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.

DP42.77%

EPS Next 2Y10.2%

EPS Next 3Y9.74%

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FIRST HORIZON CORP

NYSE:FHN (8/27/2025, 1:16:59 PM)

22.89

+0.2 (+0.88%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-16 2025-07-16/bmo

Earnings (Next)10-14 2025-10-14/bmo

Inst Owners87%

Inst Owner Change1.25%

Ins Owners0.92%

Ins Owner Change-8.63%

Market Cap11.62B

Analysts79.05

Price Target25.04 (9.39%)

Short Float %1.69%

Short Ratio1.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.73%

Yearly Dividend0.67

Dividend Growth(5Y)3.44%

DP42.77%

Div Incr Years0

Div Non Decr Years13

Ex-Date09-12 2025-09-12 (0.15)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.05%

Min EPS beat(2)4.65%

Max EPS beat(2)7.44%

EPS beat(4)4

Avg EPS beat(4)7.74%

Min EPS beat(4)4.65%

Max EPS beat(4)10.03%

EPS beat(8)7

Avg EPS beat(8)5.75%

EPS beat(12)9

Avg EPS beat(12)3.54%

EPS beat(16)12

Avg EPS beat(16)5.76%

Revenue beat(2)0

Avg Revenue beat(2)-1.78%

Min Revenue beat(2)-2.37%

Max Revenue beat(2)-1.18%

Revenue beat(4)0

Avg Revenue beat(4)-6.1%

Min Revenue beat(4)-20.5%

Max Revenue beat(4)-0.37%

Revenue beat(8)2

Avg Revenue beat(8)-4.42%

Revenue beat(12)5

Avg Revenue beat(12)-1.57%

Revenue beat(16)7

Avg Revenue beat(16)-1.27%

PT rev (1m)3.88%

PT rev (3m)11.4%

EPS NQ rev (1m)0.44%

EPS NQ rev (3m)0.9%

EPS NY rev (1m)2.84%

EPS NY rev (3m)2.76%

Revenue NQ rev (1m)-0.07%

Revenue NQ rev (3m)-1.16%

Revenue NY rev (1m)-0.21%

Revenue NY rev (3m)-0.41%

Valuation

		Industry Rank	Sector Rank
PE	13.31
Fwd PE	12.08
P/S	3.64
P/FCF	11.97
P/OCF	11.48
P/B	1.3
P/tB	1.59
EV/EBITDA	N/A

EPS(TTM)1.72

EY7.51%

EPS(NY)1.89

Fwd EY8.28%

FCF(TTM)1.91

FCFY8.35%

OCF(TTM)1.99

OCFY8.71%

SpS6.3

BVpS17.65

TBVpS14.39

PEG (NY)1.02

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.99%
ROE	9.11%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.52%
GM	N/A
FCFM	30.37%

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-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.54
Debt/FCF	4.95
Debt/EBITDA	N/A
Cap/Depr	41.84%
Cap/Sales	1.28%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	119%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC16.11%

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)32.31%

EPS 3Y-9%

EPS 5Y-1.35%

EPS Q2Q%25%

EPS Next Y13.07%

EPS Next 2Y10.2%

EPS Next 3Y9.74%

EPS Next 5YN/A

Revenue 1Y (TTM)-0.44%

Revenue growth 3Y1.29%

Revenue growth 5Y11.34%

Sales Q2Q%1.84%

Revenue Next Year1.63%

Revenue Next 2Y2.65%

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-3.48%

FCF growth 3Y21.17%

FCF growth 5Y9.4%

OCF growth 1Y-1.65%

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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