📈 Price History

Ratio Health

— Excellent

— Good

— Average

— Poor

By Category

📊 Sector Averages

About

First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding FHN

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Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	1.81M	$41.2M	0.05%	Mar 2026
Jim Simons Renaissance Technologies LLC	540.2K	$12.3M	0.02%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management uses confident language like 'pleased with results', 'strong quarter', and 'optimistic about momentum' while providing specific figures (EPS $0.45, NII +$10M, loan growth +2%). However, they also acknowledge uncertainty around tariffs, interest rates, and deposit competition, indicating a cautious undertone.

Q3 2025

Confident Specific

Management used strong positive language like 'extremely pleased', 'excellent returns', 'great quarter' and provided concrete figures: adjusted EPS $0.51, ROTCE 15%, NII growth $33M, NIM expansion 15bp. They referenced specific achievements like $100M+ PPNR opportunity and credit trends 'in line with expectations'.

Q4 2025

Confident Specific

Management repeatedly used phrases like 'strong fourth quarter', 'significant progress', 'extremely pleased', and provided specific numerical guidance (e.g., revenue growth 3-7%, NIM mid-340s, buyback authorization). Tone was assertive about hitting 15% ROTCE and sustaining profitability.

Q1 2026 latest

Confident Specific

Management repeatedly used positive language such as 'strong momentum', 'great start', 'proud', and provided specific numbers: ROTCE 15.1%, EPS $0.53, year-over-year NII up 6% with loan growth 3%. They framed execution as disciplined and relationship-driven.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis is modestly stronger after this call. Management demonstrated consistent execution on profitability (ROTCE 15%+ for third quarter) and improved PPNR year-over-year. C&I loan growth accelerated, and CRE pipelines are building, supporting future revenue. The guidance range accommodates uncertainty, and expense discipline remains intact. However, deposit cost pressure and the lack of a clear NIM trend are concerns. Key next quarter watchpoints: whether loan growth sustains, if NII holds up amid rate volatility, and if fixed-income advisory fees recover. The reiterated $100M+ PPNR opportunity provides a medium-term target, but visibility is limited.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Q1 2026 adjusted ROTCE 15.1%, EPS $0.53, C&I loan growth $624M.

Revenue & Profitability

Q1 2026 EPS was $0.53, up $0.11 year-over-year. Adjusted pre-provision net revenue improved 8% year-over-year. Net charge-offs were $29 million (18 bps), and the provision for credit losses was $15 million. CET1 ratio ended at 10.53% after $230 million in share buybacks. Tangible book value per share was $14.34, up 9% year-over-year.

Outlook

Management is optimistic about lending demand, with strong C&I and CRE pipelines. While macro and geopolitical uncertainty (e.g., Middle East conflict) create near-term headwinds, the company expects continued profitable growth. The outlook assumes no pickup in mortgage refinance activity but remains balanced across rate scenarios, targeting 3-7% revenue growth for the full year.

Growth Drivers

Key growth levers include C&I loan growth of $624 million in Q1, strong pipelines across regional banking and specialty verticals, and CRE pipelines at their strongest since 2021-2022. Mortgage warehouse balances are expected to increase seasonally in Q2. Fixed income revenues (ADR $742,000, up 27% year-over-year) provide counter-cyclical support, and deeper client relationships drive fee income.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

Net interest margin expanded 1 basis point in Q1 to the high 3.4% range, with deposit costs declining while loan yields fell. Management expects NIM to remain in the high 3.4% area near-term. Expenses are guided flat year-over-year (excluding counter-cyclical commissions), driven by technology investments and hiring. Adjusted ROTCE of 15.1% reflects improved operating leverage.

Key Risks

Management flagged macro and geopolitical uncertainty, particularly the impact of the Middle East conflict and rising energy prices on consumer discretionary spending. Credit risks are monitored in sectors like trucking, auto, and restaurants. Deposit competition could pressure costs if rates remain elevated. Fixed income revenues are sensitive to interest rate volatility, and private credit exposure is minimal (less than 1% of loans).

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-15

Adjusted EPS rose 20% year-over-year, with strong loan and deposit growth, stable credit quality, and robust capital levels. NIM is expected to remain in the mid to high 340s, with expenses flat and revenue growth guided at 3%-7% for 2026. Competitive pressures and macro uncertainty persist.

Q1 2026 Q1 2026 2026-04-15

Strong Q1 performance featured 6% net interest income growth, 15%+ adjusted ROTCE, and robust C&I loan expansion. Capital ratios remain solid, with opportunistic share repurchases and a stable expense outlook supporting continued profitable growth.

Q4 2025 Q4 2025 2026-01-15

Delivered strong Q4 with EPS of $0.52, 2% loan growth, and 15% ROTCE. 2026 guidance calls for 3%-7% revenue growth, flat expenses, and mid-single-digit loan growth, with continued capital returns and a focus on profitability and disciplined lending.

Q3 2025 Q3 2025 2025-10-15

Strong Q3 results with adjusted EPS of $0.51 and 15% ROTCE, driven by higher NII, fee income, and disciplined expense management. Share buybacks accelerated, and guidance remains confident for 2025, with a focus on organic growth and selective M&A opportunities in a favorable environment.

Q2 2025 Q2 2025 2025-07-16

Adjusted EPS rose to $0.45 on strong loan and deposit growth, disciplined expenses, and stable credit quality. Guidance for 2025 remains unchanged, with a focus on NII-driven revenue and expense control, while competitive pressures and economic uncertainties persist.

📊 Analysis Methodology

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