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Company Analysis

First Horizon Corporation FHN

A comprehensive view of key metrics, scores, and financial health for First Horizon Corporation

Overview of First Horizon Corporation

FHN NYQ
Financial Services Banks - Regional Framework: Banks & Lenders Large Cap
First Horizon Corporation (FHN), is a Large Cap company, in the Banks - Regional industry, last closed at $23.64, about 22.6% overvalued vs fair value, +10.7% 1Y return, placing in the top 25% of its sector.
Metrics P/E 12.8× Rev Growth 7.3% ROE 11.1% Gross Margin 101.0% Div Yield 2.89%
USD 23.64
1.59%
(Delayed)
• Vol 90d: 18.9%
52-Week Range
Market Cap
$11.20B
Enterprise Value
$12.15B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 94%
Confidence: 95%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.firsthorizon.com
HQ Memphis, TN
Employees 7,373
Fiscal year Dec 31

Next Events

Dividend Jan 4 Ex-div: Dec 11
Earnings Jan 13 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$34
Current: $23.64 -23% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$4.2B
-3.8%%
Interest Expense
$1.6B
Net Interest Income
$2.6B
4.4%%
Total Revenue
$3.3B
7.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.2%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.3B
131.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Horizon Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.75), exceeding regulatory minimums.
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.84).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
71
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FHN's balance between Growth (24.9%), Profitability (39.9%), and Safety (35.2%). Growth 25% Safety 35% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

35th percentile vs peers
35
Key Signals
EPS Growth YoY 37.9% 72p Asset Growth YoY 2.1% 31p NII Growth YoY 4.4% 29p Equity Growth YoY 1.3% 15p
Strengths
  • Debt/Assets in top 20% of peers (1.8%, 80th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (1.3%)
  • Growth below peer median (percentile: 35)

Profitability

56th percentile vs peers
57
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Horizon Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.30
- - -
-22.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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