First Horizon demonstrated strong profitability and growth in its loan portfolio and credit stability. However, challenges such as net interest margin compression, decreased fee income, and increased deposit competition present notable obstacles. The overall sentiment reflects a balanced view with both positive growth aspects and areas needing attention.

Company Guidance -

Q3 2025

In the Second Quarter 2025 Earnings Conference Call for First Horizon, the bank reported an adjusted EPS of $0.45, marking a $0.03 increase from the previous quarter. They achieved a $10 million growth in net interest income, primarily driven by a 2% quarter-over-quarter rise in period-end balances for both loans and deposits. The bank maintained expense discipline, with total expenses increasing by only $4 million excluding deferred compensation. They reported a net charge-off ratio of 22 basis points, consistent with expectations, and a slight decline in their allowance for credit losses to 1.42%. First Horizon's capital levels remained aligned with their target of 11% CET1, with over half of their $1 billion share repurchase authorization still available after utilizing $9 million in the second quarter. The bank reiterated its goal of achieving PPNR growth and maintained their full-year guidance, expecting to drive towards a 15% return on tangible common equity (ROTCE) over the next 2 to 3 years.

Strong Profitability and Growth

First Horizon reported an adjusted EPS of $0.45, which was a $0.03 increase from the prior quarter. The company achieved pre-provision net revenue growth of $4 million and net interest income growth of $10 million, driven by loan portfolio expansion.

Credit Portfolio Stability

The charge-off ratio remained stable at 22 basis points, with a 3 basis point decline in coverage for credit losses. Nonperforming CRE loans were reduced, contributing to a strong credit portfolio.

Balance Sheet Expansion

Period-end balances for both loans and deposits increased by 2% quarter-over-quarter, with significant growth in loans to mortgage companies and C&I portfolio.

High Retention Rate for Deposits

The company retained approximately 95% of the $23 billion in balances associated with clients who had a repricing event in the quarter.

Capital Management and Repurchase Authorization

First Horizon maintained capital levels with a CET1 of 11% and used $9 million of its $1 billion share repurchase authorization.

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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