FIRST HORIZON CORP (FHN) Stock Fundamental Analysis

NYSE:FHN • US3205171057

24.1 USD
-1.15 (-4.55%)
At close: Feb 23, 2026
24.1 USD
0 (0%)
After Hours: 2/23/2026, 5:16:23 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

FHN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. FHN may be in some trouble as it scores bad on both profitability and health. FHN has a decent growth rate and is not valued too expensively. FHN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
  • Of the past 5 years FHN 4 years 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

  • FHN's Return On Assets of 1.03% is fine compared to the rest of the industry. FHN outperforms 62.01% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.58%, FHN is in line with its industry, outperforming 58.31% of the companies in the same industry.
Industry RankSector Rank
ROA 1.03%
ROE 9.58%
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

  • Looking at the Profit Margin, with a value of 26.30%, FHN is in the better half of the industry, outperforming 61.21% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FHN has remained more or less at the same level.
  • 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) 26.3%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 less shares outstanding
  • FHN has a better debt/assets ratio than last year.
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

  • FHN has a debt to FCF ratio of 14.73. This is a negative value and a sign of low solvency as FHN would need 14.73 years to pay back of all of its debts.
  • FHN's Debt to FCF ratio of 14.73 is on the low side compared to the rest of the industry. FHN is outperformed by 79.95% of its industry peers.
  • A Debt/Equity ratio of 0.63 indicates that FHN is somewhat dependend on debt financing.
  • The Debt to Equity ratio of FHN (0.63) is worse than 79.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 14.73
Altman-Z N/A
ROIC/WACCN/A
WACC15.89%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.79% over the past year.
  • Measured over the past years, FHN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.38% on average per year.
  • The Revenue has been growing slightly by 7.21% in the past year.
  • Measured over the past years, FHN shows a small growth in Revenue. The Revenue has been growing by 1.63% on average per year.
EPS 1Y (TTM)21.79%
EPS 3Y4.39%
EPS 5Y12.38%
EPS Q2Q%20.93%
Revenue 1Y (TTM)7.21%
Revenue growth 3Y2.17%
Revenue growth 5Y1.63%
Sales Q2Q%34.75%

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 9.21% yearly.
  • FHN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.27% yearly.
EPS Next Y12.81%
EPS Next 2Y11.38%
EPS Next 3Y9.21%
EPS Next 5YN/A
Revenue Next Year6.97%
Revenue Next 2Y5.57%
Revenue Next 3Y5.27%
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 decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.68, 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 26.99, FHN is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.24, the valuation of FHN can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FHN is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 28.02. FHN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.68
Fwd PE 11.24
FHN Price Earnings VS Forward Price EarningsFHN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 80.74% of the companies in the same industry are cheaper than FHN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 30.76
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.99
PEG (5Y)1.02
EPS Next 2Y11.38%
EPS Next 3Y9.21%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.72%, FHN has a reasonable but not impressive dividend return.
  • FHN's Dividend Yield is comparable with the industry average which is at 2.74.
  • Compared to an average S&P500 Dividend Yield of 1.81, FHN pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.72%

5.2 History

  • The dividend of FHN has a limited annual growth rate of 3.45%.
  • 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)3.45%
Div Incr Years0
Div Non Decr Years13
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

  • 40.14% 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.
DP40.14%
EPS Next 2Y11.38%
EPS Next 3Y9.21%
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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FIRST HORIZON CORP

NYSE:FHN (2/23/2026, 5:16:23 PM)

After market: 24.1 0 (0%)

24.1

-1.15 (-4.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15
Earnings (Next)04-14
Inst Owners94.23%
Inst Owner Change-4.63%
Ins Owners0.76%
Ins Owner Change0.57%
Market Cap11.69B
Revenue(TTM)3.42B
Net Income(TTM)857.00M
Analysts75
Price Target27.96 (16.02%)
Short Float %1.82%
Short Ratio1.34
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
Yearly Dividend0.67
Dividend Growth(5Y)3.45%
DP40.14%
Div Incr Years0
Div Non Decr Years13
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.6%
Min EPS beat(2)7.44%
Max EPS beat(2)13.76%
EPS beat(4)4
Avg EPS beat(4)8.67%
Min EPS beat(4)4.65%
Max EPS beat(4)13.76%
EPS beat(8)7
Avg EPS beat(8)6.31%
EPS beat(12)9
Avg EPS beat(12)4.66%
EPS beat(16)12
Avg EPS beat(16)5.33%
Revenue beat(2)1
Avg Revenue beat(2)1.35%
Min Revenue beat(2)-1.18%
Max Revenue beat(2)3.87%
Revenue beat(4)1
Avg Revenue beat(4)-5.04%
Min Revenue beat(4)-20.5%
Max Revenue beat(4)3.87%
Revenue beat(8)3
Avg Revenue beat(8)-2.71%
Revenue beat(12)5
Avg Revenue beat(12)-1.77%
Revenue beat(16)8
Avg Revenue beat(16)-0.92%
PT rev (1m)5.26%
PT rev (3m)11.44%
EPS NQ rev (1m)0.31%
EPS NQ rev (3m)0.85%
EPS NY rev (1m)1.15%
EPS NY rev (3m)8.36%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)2.7%
Valuation
Industry RankSector Rank
PE 12.68
Fwd PE 11.24
P/S 3.59
P/FCF 30.76
P/OCF 27.63
P/B 1.31
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)1.9
EY7.88%
EPS(NY)2.14
Fwd EY8.89%
FCF(TTM)0.78
FCFY3.25%
OCF(TTM)0.87
OCFY3.62%
SpS6.72
BVpS18.45
TBVpS15.07
PEG (NY)0.99
PEG (5Y)1.02
Graham Number28.09
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 9.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.3%
GM N/A
FCFM 11.66%
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 0.63
Debt/FCF 14.73
Debt/EBITDA N/A
Cap/Depr 44.79%
Cap/Sales 1.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 44.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.89%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.79%
EPS 3Y4.39%
EPS 5Y12.38%
EPS Q2Q%20.93%
EPS Next Y12.81%
EPS Next 2Y11.38%
EPS Next 3Y9.21%
EPS Next 5YN/A
Revenue 1Y (TTM)7.21%
Revenue growth 3Y2.17%
Revenue growth 5Y1.63%
Sales Q2Q%34.75%
Revenue Next Year6.97%
Revenue Next 2Y5.57%
Revenue Next 3Y5.27%
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-72.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-70.67%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST HORIZON CORP / FHN 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.


How profitable is FIRST HORIZON CORP (FHN) stock?

FIRST HORIZON CORP (FHN) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for FHN stock?

The Earnings per Share (EPS) of FIRST HORIZON CORP (FHN) is expected to grow by 12.81% in the next year.


Is the dividend of FIRST HORIZON CORP sustainable?

The dividend rating of FIRST HORIZON CORP (FHN) is 7 / 10 and the dividend payout ratio is 40.14%.