FHN Fundamental Analysis - FIRST HORIZON CORP

Fundamental Rating

Taking everything into account, FHN scores 4 out of 10 in our fundamental rating. FHN was compared to 392 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. Finally FHN also has an excellent dividend rating.

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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

FHN has a better Return On Assets (0.99%) than 63.27% of its industry peers.

FHN's Return On Equity of 9.11% is in line compared to the rest of the industry. FHN outperforms 57.14% 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

FHN has a better Profit Margin (25.52%) than 61.99% 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 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.

Compared to 1 year ago, FHN has less shares outstanding

Compared to 5 years ago, FHN has more shares outstanding

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

2.2 Solvency

The Debt to FCF ratio of FHN is 4.95, which is a neutral value as it means it would take FHN, 4.95 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 4.95, FHN is doing worse than 67.86% of the companies in the same industry.

FHN has a Debt/Equity ratio of 0.54. This is a neutral value indicating FHN is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.54, FHN is doing worse than 78.06% of the companies in the same industry.

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

ROIC/WACCN/A

WACC15.92%

2.3 Liquidity

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

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WACC

Debt/Equity

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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.

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.

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

Measured over the past years, FHN shows a quite strong growth in Revenue. The Revenue has been growing by 11.34% on average per year.

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

Based on estimates for the next years, FHN will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.00% on average per year.

The Revenue is expected to grow by 3.31% on average over the next years.

EPS Next Y13.08%

EPS Next 2Y10.36%

EPS Next 3Y10%

EPS Next 5YN/A

Revenue Next Year1.72%

Revenue Next 2Y2.73%

Revenue Next 3Y3.31%

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 13.40, which indicates a correct valuation of FHN.

The rest of the industry has a similar Price/Earnings ratio as FHN.

Compared to an average S&P500 Price/Earnings ratio of 27.90, FHN is valued rather cheaply.

FHN is valuated correctly with a Price/Forward Earnings ratio of 12.13.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FHN indicates a slightly more expensive valuation: FHN is more expensive than 64.54% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.36, FHN is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.4
Fwd PE	12.13

4.2 Price Multiples

FHN's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	12.05
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 2Y10.36%

EPS Next 3Y10%

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5. Dividend

5.1 Amount

FHN has a Yearly Dividend Yield of 6.49%, which is a nice return.

FHN's Dividend Yield is rather good when compared to the industry average which is at 3.59. FHN pays more dividend than 91.33% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.44, FHN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.49%

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 42.77% 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.

DP42.77%

EPS Next 2Y10.36%

EPS Next 3Y10%

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FIRST HORIZON CORP

NYSE:FHN (10/6/2025, 8:16:05 PM)

After market: 23.05 0 (0%)

23.05

+0.49 (+2.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-15 2025-10-15/bmo

Inst Owners88.49%

Inst Owner Change0%

Ins Owners0.75%

Ins Owner Change-2.11%

Market Cap11.70B

Analysts77.39

Price Target25.34 (9.93%)

Short Float %2.57%

Short Ratio1.21

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.49%

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)1.17%

PT rev (3m)11.05%

EPS NQ rev (1m)0.07%

EPS NQ rev (3m)2.93%

EPS NY rev (1m)0.01%

EPS NY rev (3m)2.98%

Revenue NQ rev (1m)0.18%

Revenue NQ rev (3m)0.01%

Revenue NY rev (1m)0.09%

Revenue NY rev (3m)-0.09%

Valuation

		Industry Rank	Sector Rank
PE	13.4
Fwd PE	12.13
P/S	3.66
P/FCF	12.05
P/OCF	11.56
P/B	1.31
P/tB	1.6
EV/EBITDA	N/A

EPS(TTM)1.72

EY7.46%

EPS(NY)1.9

Fwd EY8.24%

FCF(TTM)1.91

FCFY8.3%

OCF(TTM)1.99

OCFY8.65%

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

WACC15.92%

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 Y13.08%

EPS Next 2Y10.36%

EPS Next 3Y10%

EPS Next 5YN/A

Revenue 1Y (TTM)-0.44%

Revenue growth 3Y1.29%

Revenue growth 5Y11.34%

Sales Q2Q%1.84%

Revenue Next Year1.72%

Revenue Next 2Y2.73%

Revenue Next 3Y3.31%

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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