The earnings call highlighted a strong financial performance with growth in EPS, loan, and deposit balances, and a solid credit portfolio. However, challenges such as net interest margin compression, decreased fee income, and increased deposit competition were also noted. The overall sentiment reflects a balanced view with optimism for future growth.

Company Guidance -

Q3 2025

During the First Horizon Second Quarter 2025 Earnings Conference Call, the company provided a comprehensive overview of its financial performance and future guidance. The adjusted earnings per share (EPS) for the quarter was reported at $0.45, reflecting a $0.03 increase from the previous quarter. Pre-provision net revenue grew by $4 million, driven largely by a $10 million increase in net interest income, primarily due to growth in the loan portfolio. The company maintained expense discipline, with total expenses rising by only $4 million, excluding deferred compensation. Credit trends remained strong, with a charge-off ratio of 22 basis points. Period-end loan and deposit balances both increased by 2% quarter-over-quarter. The company also provided guidance for the full year, emphasizing its target to achieve pre-provision net revenue (PPNR) growth and maintaining a charge-off ratio within expectations. First Horizon aims to reach and sustain a return on tangible common equity (ROTCE) of over 15% in the next 2 to 3 years, with a focus on leveraging existing client relationships for growth opportunities.

Strong Financial Performance

First Horizon reported an adjusted EPS of $0.45 per share, a $0.03 increase from the prior quarter, driven by a $10 million increase in net interest income and a 2% quarter-over-quarter increase in loan and deposit balances.

Solid Credit Portfolio

The bank maintained a charge-off ratio of 22 basis points, in line with expectations, reflecting strong credit conditions and an improvement in the loan balance mix.

Stable Capital Position

First Horizon's CET1 ratio remains in line with their target of 11%, providing flexibility for future capital deployment, including share repurchases.

Positive Outlook for Loan Growth

The bank anticipates continued loan growth, particularly in the mortgage warehouse and C&I portfolios, supported by market share gains and client relationships.

Deposit Growth and Retention

Period-end deposit balances increased by $1.4 billion, with a 95% retention rate for repricing events, showing strong deposit pricing discipline.

First Horizon (FHN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FHN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	0.44 / -	0.4	―	―	―
Jul 16, 2025	2025 (Q2)	0.42 / 0.45	0.34	32.35% (+0.11)
Apr 16, 2025	2025 (Q1)	0.40 / 0.42	0.33	27.27% (+0.09)
Jan 16, 2025	2024 (Q4)	0.39 / 0.43	0.31	38.71% (+0.12)
Oct 16, 2024	2024 (Q3)	0.37 / 0.40	0.23	73.91% (+0.17)
Jul 17, 2024	2024 (Q2)	0.30 / 0.34	0.56	-39.29% (-0.22)
Apr 17, 2024	2024 (Q1)	0.33 / 0.33	0.43	-23.26% (-0.10)
Jan 18, 2024	2023 (Q4)	0.27 / 0.31	0.45	-31.11% (-0.14)
Oct 18, 2023	2023 (Q3)	0.24 / 0.23	0.45	-48.89% (-0.22)
Jul 19, 2023	2023 (Q2)	0.65 / 0.56	0.29	93.10% (+0.27)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FHN Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 16, 2025	$21.22	$21.66	+2.07%
Apr 16, 2025	$17.43	$17.15	-1.61%
Jan 16, 2025	$21.06	$20.98	-0.38%
Oct 16, 2024	$16.33	$16.99	+4.04%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does First Horizon (FHN) report earnings?

First Horizon (FHN) is schdueled to report earning on Oct 15, 2025, Before Open (Confirmed).

What is First Horizon (FHN) earnings time?

First Horizon (FHN) earnings time is at Oct 15, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FHN EPS forecast?

FHN EPS forecast for the fiscal quarter 2025 (Q3) is 0.44.

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