FIRST HORIZON CORP(NYSE:FHN) stock Fundamental Analysis

Fundamental Rating

Overall FHN gets a fundamental rating of 3 out of 10. We evaluated FHN against 398 industry peers in the Banks industry. FHN has a bad profitability rating. Also its financial health evaluation is rather negative. FHN has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year FHN was profitable.

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

FHN had positive earnings in each of the past 5 years.

Each year in the past 5 years FHN had a positive operating cash flow.

1.2 Ratios

The Return On Assets of FHN (0.90%) is comparable to the rest of the industry.

The Return On Equity of FHN (8.37%) 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 has a Profit Margin of 23.14%. This is comparable to the rest of the industry: FHN outperforms 48.74% of its industry peers.

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

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.

Compared to 5 years ago, FHN has more shares outstanding

FHN has a worse debt/assets ratio than last year.

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.

FHN's Debt to FCF ratio of 3.75 is on the low side compared to the rest of the industry. FHN is outperformed by 65.58% of its industry peers.

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

The Debt to Equity ratio of FHN (0.52) is worse than 77.89% of its industry peers.

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

ROIC/WACCN/A

WACC17.48%

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

FHN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.56%, which is quite impressive.

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.

FHN shows a decrease in Revenue. In the last year, the revenue decreased by -7.12%.

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

Based on estimates for the next years, FHN will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.52% on average per year.

The Revenue is expected to grow by 3.29% on average over the next years.

EPS Next Y9.38%

EPS Next 2Y9.91%

EPS Next 3Y10.52%

EPS Next 5YN/A

Revenue Next Year2.11%

Revenue Next 2Y3.03%

Revenue Next 3Y3.29%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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

FHN is valuated reasonably with a Price/Earnings ratio of 10.93.

FHN's Price/Earnings is on the same level as the industry average.

FHN is valuated cheaply when we compare the Price/Earnings ratio to 28.78, which is the current average of the S&P500 Index.

FHN is valuated reasonably with a Price/Forward Earnings ratio of 9.45.

FHN's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, FHN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.93
Fwd PE	9.45

4.2 Price Multiples

FHN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FHN is cheaper than 81.16% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.38
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)1.16

PEG (5Y)N/A

EPS Next 2Y9.91%

EPS Next 3Y10.52%

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5. Dividend

5.1 Amount

FHN has a Yearly Dividend Yield of 3.38%.

FHN's Dividend Yield is comparable with the industry average which is at 3.52.

FHN's Dividend Yield is a higher than the S&P500 average which is at 2.46.

		Industry Rank	Sector Rank
Dividend Yield	3.38%

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

48.92% of the earnings are spent on dividend by FHN. This is a bit on the high side, but may be sustainable.

The dividend of FHN is growing, but earnings are growing more, so the dividend growth is sustainable.

DP48.92%

EPS Next 2Y9.91%

EPS Next 3Y10.52%

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FIRST HORIZON CORP

NYSE:FHN (4/25/2025, 8:06:23 PM)

After market: 17.81 0 (0%)

17.81

+0.04 (+0.23%)

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-37.87%

Ins Owners0.86%

Ins Owner Change-6.56%

Market Cap9.03B

Analysts76

Price Target22.19 (24.59%)

Short Float %2.19%

Short Ratio1.63

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.38%

Yearly Dividend0.67

Dividend Growth(5Y)3.44%

DP48.92%

Div Incr Years0

Div Non Decr Years13

Ex-Date03-14 2025-03-14 (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)-6.74%

PT rev (3m)2.11%

EPS NQ rev (1m)0.63%

EPS NQ rev (3m)10.42%

EPS NY rev (1m)-0.42%

EPS NY rev (3m)7.12%

Revenue NQ rev (1m)-0.18%

Revenue NQ rev (3m)1.2%

Revenue NY rev (1m)-0.82%

Revenue NY rev (3m)-0.5%

Valuation

		Industry Rank	Sector Rank
PE	10.93
Fwd PE	9.45
P/S	2.83
P/FCF	7.38
P/OCF	7.12
P/B	1.02
P/tB	1.26
EV/EBITDA	N/A

EPS(TTM)1.63

EY9.15%

EPS(NY)1.88

Fwd EY10.58%

FCF(TTM)2.41

FCFY13.56%

OCF(TTM)2.5

OCFY14.04%

SpS6.29

BVpS17.39

TBVpS14.09

PEG (NY)1.16

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

WACC17.48%

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 Y9.38%

EPS Next 2Y9.91%

EPS Next 3Y10.52%

EPS Next 5YN/A

Revenue 1Y (TTM)-7.12%

Revenue growth 3Y1.29%

Revenue growth 5Y11.34%

Sales Q2Q%-0.85%

Revenue Next Year2.11%

Revenue Next 2Y3.03%

Revenue Next 3Y3.29%

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

More info and screens