FIRST HORIZON CORP (FHN) Fundamental Analysis & Valuation

NYSE:FHN • US3205171057

Current stock price

24.29 USD
+0.31 (+1.29%)
At close:
24.3088 USD
+0.02 (+0.08%)
After Hours:

This FHN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FHN Profitability Analysis

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.
  • Each year in the past 5 years FHN had a positive operating cash flow.
FHN Yearly Net Income VS EBIT VS OCF VS FCFFHN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B

1.2 Ratios

  • With a decent Return On Assets value of 1.14%, FHN is doing good in the industry, outperforming 66.58% of the companies in the same industry.
  • The Return On Equity of FHN (10.82%) is better than 65.78% of its industry peers.
Industry RankSector Rank
ROA 1.14%
ROE 10.82%
ROIC N/A
ROA(3y)1.03%
ROA(5y)1.06%
ROE(3y)9.6%
ROE(5y)10.21%
ROIC(3y)N/A
ROIC(5y)N/A
FHN Yearly ROA, ROE, ROICFHN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FHN has a Profit Margin of 27.99%. This is in the better half of the industry: FHN outperforms 64.19% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 27.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.08%
PM growth 5Y1.41%
GM growth 3YN/A
GM growth 5YN/A
FHN Yearly Profit, Operating, Gross MarginsFHN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. FHN Health Analysis

2.1 Basic Checks

  • FHN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FHN has less shares outstanding
  • FHN has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FHN has an improved debt to assets ratio.
FHN Yearly Shares OutstandingFHN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
FHN Yearly Total Debt VS Total AssetsFHN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • The Debt to FCF ratio of FHN is 7.69, which is on the high side as it means it would take FHN, 7.69 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 7.69, FHN is doing worse than 78.25% of the companies in the same industry.
  • FHN has a Debt/Equity ratio of 0.52. This is a neutral value indicating FHN is somewhat dependend on debt financing.
  • FHN has a Debt to Equity ratio of 0.52. This is in the lower half of the industry: FHN underperforms 76.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.52
Debt/FCF 7.69
Altman-Z N/A
ROIC/WACCN/A
WACC14.06%
FHN Yearly LT Debt VS Equity VS FCFFHN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FHN Yearly Current Assets VS Current LiabilitesFHN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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6

3. FHN Growth Analysis

3.1 Past

  • FHN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.31%, which is quite impressive.
  • FHN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.38% yearly.
  • FHN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.02%.
  • FHN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.63% yearly.
EPS 1Y (TTM)23.31%
EPS 3Y4.39%
EPS 5Y12.38%
EPS Q2Q%26.19%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y2.17%
Revenue growth 5Y1.63%
Sales Q2Q%6.16%

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 12.05% yearly.
  • Based on estimates for the next years, FHN will show a small growth in Revenue. The Revenue will grow by 5.22% on average per year.
EPS Next Y13.11%
EPS Next 2Y11.54%
EPS Next 3Y12.05%
EPS Next 5YN/A
Revenue Next Year6.97%
Revenue Next 2Y5.51%
Revenue Next 3Y5.22%
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 stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FHN Yearly Revenue VS EstimatesFHN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
FHN Yearly EPS VS EstimatesFHN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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4

4. FHN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.08 indicates a correct valuation of FHN.
  • FHN's Price/Earnings is on the same level as the industry average.
  • FHN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.87.
  • With a Price/Forward Earnings ratio of 10.28, the valuation of FHN can be described as very reasonable.
  • FHN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FHN is cheaper than 60.48% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.51, FHN is valued rather cheaply.
Industry RankSector Rank
PE 12.08
Fwd PE 10.28
FHN Price Earnings VS Forward Price EarningsFHN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FHN is valued a bit more expensive than 74.01% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.5
EV/EBITDA N/A
FHN Per share dataFHN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • FHN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FHN's earnings are expected to grow with 12.05% in the coming years.
PEG (NY)0.92
PEG (5Y)0.98
EPS Next 2Y11.54%
EPS Next 3Y12.05%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. FHN Dividend Analysis

5.1 Amount

  • FHN has a Yearly Dividend Yield of 2.84%.
  • Compared to an average industry Dividend Yield of 2.57, FHN has a dividend in line with its industry peers.
  • FHN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.84%

5.2 History

  • The dividend of FHN has a limited annual growth rate of 4.08%.
  • FHN has paid a dividend for at least 10 years, which is a reliable track record.
  • FHN has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.08%
Div Incr Years0
Div Non Decr Years14
FHN Yearly Dividends per shareFHN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • FHN pays out 35.53% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of FHN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP35.53%
EPS Next 2Y11.54%
EPS Next 3Y12.05%
FHN Yearly Income VS Free CF VS DividendFHN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B
FHN Dividend Payout.FHN Dividend Payout, showing the Payout Ratio.FHN Dividend Payout.PayoutRetained Earnings

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FHN Fundamentals: All Metrics, Ratios and Statistics

FIRST HORIZON CORP

NYSE:FHN (4/17/2026, 8:11:57 PM)

After market: 24.3088 +0.02 (+0.08%)

24.29

+0.31 (+1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15
Earnings (Next)07-14
Inst Owners89.43%
Inst Owner Change0%
Ins Owners0.94%
Ins Owner Change0.08%
Market Cap11.60B
Revenue(TTM)3.47B
Net Income(TTM)957.00M
Analysts75.65
Price Target27.39 (12.76%)
Short Float %2.12%
Short Ratio1.67
Dividend
Industry RankSector Rank
Dividend Yield 2.84%
Yearly Dividend0.67
Dividend Growth(5Y)4.08%
DP35.53%
Div Incr Years0
Div Non Decr Years14
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.9%
Min EPS beat(2)12.05%
Max EPS beat(2)13.76%
EPS beat(4)4
Avg EPS beat(4)9.48%
Min EPS beat(4)4.65%
Max EPS beat(4)13.76%
EPS beat(8)7
Avg EPS beat(8)7.1%
EPS beat(12)9
Avg EPS beat(12)5.11%
EPS beat(16)12
Avg EPS beat(16)4.48%
Revenue beat(2)2
Avg Revenue beat(2)3.15%
Min Revenue beat(2)2.43%
Max Revenue beat(2)3.87%
Revenue beat(4)2
Avg Revenue beat(4)0.69%
Min Revenue beat(4)-2.37%
Max Revenue beat(4)3.87%
Revenue beat(8)3
Avg Revenue beat(8)-2.47%
Revenue beat(12)5
Avg Revenue beat(12)-1.79%
Revenue beat(16)8
Avg Revenue beat(16)-0.83%
PT rev (1m)-2.25%
PT rev (3m)3.12%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)8.98%
EPS NY rev (1m)0.78%
EPS NY rev (3m)7.79%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)2.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.89%
Valuation
Industry RankSector Rank
PE 12.08
Fwd PE 10.28
P/S 3.39
P/FCF 19.5
P/OCF 18.47
P/B 1.31
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)2.01
EY8.28%
EPS(NY)2.36
Fwd EY9.73%
FCF(TTM)1.25
FCFY5.13%
OCF(TTM)1.31
OCFY5.41%
SpS7.16
BVpS18.52
TBVpS15.14
PEG (NY)0.92
PEG (5Y)0.98
Graham Number28.9429 (19.16%)
Profitability
Industry RankSector Rank
ROA 1.14%
ROE 10.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.99%
GM N/A
FCFM 17.4%
ROA(3y)1.03%
ROA(5y)1.06%
ROE(3y)9.6%
ROE(5y)10.21%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.08%
PM growth 5Y1.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.52
Debt/FCF 7.69
Debt/EBITDA N/A
Cap/Depr 35.11%
Cap/Sales 0.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 62.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.06%
ROIC/WACCN/A
Cap/Depr(3y)38.61%
Cap/Depr(5y)37.32%
Cap/Sales(3y)1.14%
Cap/Sales(5y)1.2%
Profit Quality(3y)124.66%
Profit Quality(5y)140.91%
High Growth Momentum
Growth
EPS 1Y (TTM)23.31%
EPS 3Y4.39%
EPS 5Y12.38%
EPS Q2Q%26.19%
EPS Next Y13.11%
EPS Next 2Y11.54%
EPS Next 3Y12.05%
EPS Next 5YN/A
Revenue 1Y (TTM)9.02%
Revenue growth 3Y2.17%
Revenue growth 5Y1.63%
Sales Q2Q%6.16%
Revenue Next Year6.97%
Revenue Next 2Y5.51%
Revenue Next 3Y5.22%
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-51.39%
FCF growth 3Y-35.94%
FCF growth 5Y39.16%
OCF growth 1Y-50.47%
OCF growth 3Y-35.04%
OCF growth 5Y29.56%

FIRST HORIZON CORP / FHN Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST HORIZON CORP?

ChartMill assigns a fundamental rating of 4 / 10 to FHN.


What is the valuation status of FIRST HORIZON CORP (FHN) stock?

ChartMill assigns a valuation rating of 4 / 10 to FIRST HORIZON CORP (FHN). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST HORIZON CORP?

FIRST HORIZON CORP (FHN) has a profitability rating of 4 / 10.


Can you provide the financial health for FHN stock?

The financial health rating of FIRST HORIZON CORP (FHN) is 2 / 10.


How sustainable is the dividend of FIRST HORIZON CORP (FHN) stock?

The dividend rating of FIRST HORIZON CORP (FHN) is 7 / 10 and the dividend payout ratio is 35.53%.