FHN
First Horizon·NYSE
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FHN fundamentals
First Horizon (FHN) released its earnings on Jan 15, 2026: revenue was 869.50M (YoY +18.62%), beat estimates; EPS was 0.52 (YoY +20.93%), beat estimates.
Revenue / YoY
869.50M
+18.62%
EPS / YoY
0.52
+20.93%
Report date
Jan 15, 2026
FHN Earnings Call Summary for Q4,2025
- 15% ROTCE Sustained: Achieved 15% ROTCE in Q4 2025, with PPNR growth driven by improved balance sheet profitability and client relationship deepening.
- $100M+ PPNR Opportunity: Incremental revenue growth embedded in 2026 outlook, driven by treasury management, wealth penetration, and pricing optimization.
- 3-7% Revenue Growth: 2026 target range reflects mid-single-digit loan growth (2% Q4), stable NIM (3.51%), and fee income upside from mortgage refinance activity.
- Flat Expense Guidance: Base case assumes 2.5-3% expense growth aligned with inflation; countercyclical commission expenses could drive higher-end revenue growth.
- Credit Stability: Net charge-offs at 19bps (15-25bps 2026 guidance); 64% deposit beta since rate cuts began in September 2024.
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Key Indicators
First Horizon (FHN) key financial stats and ratios, covering profitability, financial health, and leverage.
First Horizon (FHN)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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First Horizon (FHN)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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First Horizon (FHN)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does First Horizon (FHN) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First Horizon (FHN) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the revenue and EPS growth rate for First Horizon year over year?What is the market's earnings forecast for First Horizon next quarter?What is First Horizon's latest dividend and current dividend yield?Did First Horizon beat or miss consensus estimates last quarter?What were the key takeaways from First Horizon's earnings call?What does First Horizon do and what are its main business segments?What were the key takeaways from First Horizon’s earnings call?What guidance did First Horizon's management provide for the next earnings period?
