FHN · First Horizon Corp
Market Cap
$11.57B
Shares
473.78M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$24.65
Open$24.55
Day$24.39–24.69
52W close$19.94–26.23
Avg vol 30d4.8M
Short int10.6M · 2.2% float · 1.9d
Short vol45%
Last earningsJul 15, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 14, 2026
Est · unconfirmed
· in 7 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+2%
above
Price vs 50-day avg
−3%
below
RSI (14)
41
neutral
MACD trend
Negative
52-week position
75%
mid-range
Momentum
relative strength
1-month return
−4%
trailing
6-month return
+8%
trailing
YTD return
+3%
this year
Relative strength
−5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $25 › 200d $24 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +87 funds added
Insider flow
Distributing
Net -$455.1K over 90 days · 100% sells
Short interest
Falling
2.23% of float · ▼ -26.0% MoM · 1.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
677 holders — near 3-yr high, broad support
Squeeze score
38
low risk · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+38%
Y/Y
Free cash flow
$595.0M
Valuation
P/E 11.7
below peers
Buyback
$665.0M
remaining
Balance sheet
$2.5B
net debt
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
1.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 15, 2026
Adjusted Expenses ex. deferred comp.
· 2026
Non-GAAP
0%
Net Charge-Offs
· 2026
0.15% – 0.25%
Tax Rate
· 2026
21% – 23%
CET1 Ratio
· 2026
at least 10.5%
Prior guidance
period ended
· from the 8-K filed Oct 15, 2025
Tax Rate
· FY25 vs FY24
21% – 23%
CET1 Ratio
· FY25 vs FY24
10.5% – 11%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+2%
Bullish
Price vs 50-day avg
−3%
Neutral
RSI (14)
41
Neutral
MACD trend
Negative
Bearish
52-week position
75%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $25 › 200d $24 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +87 funds added
Insider flow
Distributing
Net -$455.1K over 90 days · 100% sells
Short interest
Falling
2.23% of float · ▼ -26.0% MoM · 1.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
677 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $20
Now $25 · 75%
Range high $26
vs 200-day avg +2%
vs 50-day avg -3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Noninterest income to total revenue non-GAAP | 23.73% | three months ended June 30, 2026 filing | — |
| Adjusted diluted EPS non-GAAP | $0.54 | 2Q26 | — |
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| Adjusted effective tax rate non-GAAP | 19.5% | 2Q26 | — |
| Adjusted efficiency ratio non-GAAP | 59.11% | 2Q26 | — |
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| Adjusted EPS non-GAAP | $0.54 | 2Q26 | — |
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| Adjusted net income non-GAAP | $278M | 2Q26 | — |
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| Adjusted net income available to common shareholders non-GAAP | $262M | 2Q26 | — |
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| Adjusted Net income available to common shareholders (annualized) (Non-GAAP) non-GAAP | $1.05B | 2Q26 | — |
| Adjusted noninterest expense excluding deferred compensation expense non-GAAP | $513M | 2Q26 | — |
| Adjusted noninterest income as a % of total revenue non-GAAP | 23.65% | 2Q26 | — |
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| Adjusted noninterest income excluding deferred compensation income non-GAAP | $196M | 2Q26 | — |
| Adjusted personnel expense excluding deferred compensation expense non-GAAP | $291M | 2Q26 | — |
| Adjusted pre-provision net revenue non-GAAP | $364M | 2Q26 | — |
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| Adjusted Pre-provision net revenue (PPNR) non-GAAP | $361M | 2Q26 | — |
| Adjusted Pre-provision net revenue-Taxable-equivalent non-GAAP | $364M | 2Q26 | — |
| Adjusted Pre-provision net revenue-Taxable-equivalent (Non-GAAP) non-GAAP | $364M | 2Q26 | — |
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| Adjusted return on average assets non-GAAP | 1.33% | 2Q26 | — |
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| Adjusted revenue excluding adjusted deferred compensation income non-GAAP | $875M | 2Q26 | — |
| Adjusted ROA (Non-GAAP) non-GAAP | 1.33% | 2Q26 | — |
| Adjusted ROTCE non-GAAP | 15.3% | 2Q26 | — |
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| Adjusted ROTCE (Non-GAAP) non-GAAP | 15.29% | 2Q26 | — |
| Allowance for credit losses to loans and leases non-GAAP | 1.24% | 2Q26 | — |
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| Allowance for credit losses to nonperforming loans and leases non-GAAP | 152% | 2Q26 | — |
| Allowance for credit losses to nonperforming loans and leases (Non-GAAP) non-GAAP | 152% | 2Q26 | — |
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| Allowance for loan and lease losses to loans and leases | 1.09% | 2Q26 | — |
| Allowance for loans and lease losses to loans and leases | 1.09% | 2Q26 | — |
| Average assets | $84.1B | 2Q26 | — |
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| Average common equity | $8.5B | 2Q26 | — |
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| Average deposits | $66.8B | 2Q26 | — |
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| Average loan and lease balances | $64.7B | 2Q26 | — |
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| Capital returned to shareholders | $100M | 2Q26 | — |
| CET1 ratio non-GAAP | 10.5% | 2Q26 | — |
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| Common Equity Tier 1 | 10.5% | 2Q26 | — |
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| Diluted shares | 480M | 2Q26 | — |
| Efficiency ratio | 59.88% | 2Q26 | — |
| Fee income / total revenue | 23.7% | 2Q26 | — |
| FHN NCOs | $33M | 2Q26 | — |
| Fixed income ADR non-GAAP | $594K | 2Q26 | — |
| Full-time equivalent associates | 7,422 | 2Q26 | — |
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| Loans-to-deposit ratio (period-end balances) | 95.97% | 2Q26 | — |
| Net charge-off ratio | 0.2% | 2Q26 | — |
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| Net charge-offs | $33M | 2Q26 | — |
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| Net interest margin | 3.49% | 2Q26 | — |
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| Net interest margin (NIM) non-GAAP | 3.49% | 2Q26 | — |
| NIAC non-GAAP | $262M | 2Q26 | — |
| Noninterest income as a % of total revenue | 23.73% | 2Q26 | — |
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| Period end loan to deposit ratio | 96% | 2Q26 | — |
| Period end loans | $65.3B | 2Q26 | — |
| Period-end deposits | $68.1B | 2Q26 | — |
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| Period-end loans and leases | $65.3B | 2Q26 | — |
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| Period-end shares outstanding | 474M | 2Q26 | — |
| Pre-provision net revenue (PPNR) | $356M | 2Q26 | — |
| Return on average assets | 1.31% | 2Q26 | — |
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| Return on average common equity | 12.3% | 2Q26 | — |
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| Return on average tangible common equity non-GAAP | 15.2% | 2Q26 | — |
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| Risk-weighted assets ("RWA") | $74.6B | 2Q26 | — |
| ROA | 1.3% | 2Q26 | — |
| ROCE | 12.3% | 2Q26 | — |
| ROTCE (Non-GAAP) non-GAAP | 15.21% | 2Q26 | — |
| Share Buybacks | $100M | 2Q26 | — |
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| Tangible book value per share (TBVPS) non-GAAP | $14.53 | 2Q26 | — |
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| Tangible common equity to tangible assets (TCE/TA) non-GAAP | 8.31% | 2Q26 | — |
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| Tier 1 | 11.8% | 2Q26 | — |
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| Total C&I excl. LMC non-GAAP | $32.54B | 2Q26 | — |
| Total Capital | 13.4% | 2Q26 | — |
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| Total Commercial excl. LMC non-GAAP | $46.13B | 2Q26 | — |
| Total Loans excl. LMC non-GAAP | $60.57B | 2Q26 | — |
| Total Loans excl. LMC (Non-GAAP) non-GAAP | $60.57B | 2Q26 | — |
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| Adjusted NI non-GAAP | $266M | 1Q26 | — |
| Adjusted Pre-provision net revenue (PPNR) (non-GAAP) non-GAAP | $357M | 1Q26 | — |
| Adjusted return on tangible common equity non-GAAP | 15.1% | 1Q26 | — |
| Effective income tax rate | 22.21% | 1Q26 | — |
| Financial center locations | 410 | 1Q26 | — |
| Fixed income product average daily revenue | 742K | 1Q26 | — |
| Interest-bearing deposit cost | 2.28% | first quarter 2026 | — |
| Loan yields | 5.68% | first quarter 2026 | — |
| Nonperforming loans and leases ratio | 0.94% | 1Q26 | — |
| Pre-provision net revenue | $357M | 1Q26 | — |
| Return on tangible common equity non-GAAP | 15.1% | first quarter 2026 | — |
| ROTCE non-GAAP | 15.12% | 1Q26 | — |
| Share repurchases | $233M | first quarter 2026 | — |
| Tangible assets non-GAAP | $82.53B | 1Q26 | — |
| Tangible book value per share non-GAAP | $14.34 | 1Q26 | — |
| Tangible common equity non-GAAP | $6.82B | 1Q26 | — |
| Total allowance for credit losses to loans and leases non-GAAP | 1.28% | 1Q26 | — |
| Total allowance for credit losses to nonperforming loans and leases non-GAAP | 136% | 1Q26 | — |
| Adjusted NIAC non-GAAP | $968M | Full Year 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FHN
this stock
First Horizon Corp
|
$11.57B | +3.1% | +7.2% | 11.7 | 2.2% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -38.5% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +26.1% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.3% | — | — | 0.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FHN | +0.1% | -3.9% | +8.0% | -3.9% | +3.1% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -0.4% | -6.9% | -5.5% | -6.9% | -9.7% |
Capital returns
Latest dividend
$0.17
/ share · ex Jun 12, 2026
Declared · upcoming
$0.17
/ share · ex Sep 11, 2026
Paid (TTM)
$0.64
/ share · 4 payouts
Dividend yield (TTM, derived)
2.60%
Buyback program
· as of Jun 30, 2026
Authorized
$1.00B
Spent (derived)
$335.00M
Remaining
$665.00M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
36966
CUSIP
320517105
13F (30d)
518 filings
486 filers
Visit website
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