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First Horizon National (FHN)
NYSE:FHN
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First Horizon (FHN) Price & Analysis

817 Followers

FHN Stock Chart & Stats

$25.53
$0.01(0.04%)
At close: 4:00 PM EDT
$25.53
$0.01(0.04%)

Bulls Say, Bears Say

Bulls Say
Improving Profitability And MarginsSustainably higher net and EBIT margins through the TTM indicate stronger earnings power and operating leverage. Durable margin expansion provides buffers against interest rate or revenue swings, supports reinvestment and capital returns, and underpins multi-quarter profitability resilience.
Strong Cash Generation And FCF ConversionRobust operating and free cash flow with consistently high conversion rates supports shareholder returns, buybacks and internal investments. Strong cash generation improves financial flexibility and cushions cyclical shocks, making capital deployment and dividend sustainability more durable over months.
Loan Growth And Disciplined Capital ReturnsMeaningful loan growth alongside maintained CET1 targets and large buybacks signals both franchise expansion and capital discipline. Rising loan balances support future NII and fee income while capital actions reflect confidence in earnings sustainability and shareholder-aligned capital allocation.
Bears Say
Reliance On Brokered DepositsHigher reliance on brokered deposits increases funding fragility and cost sensitivity versus core retail deposits. Over a multi-month horizon, this funding mix can raise deposit beta, elevate funding costs in competitive markets, and constrain margin stability and loan growth flexibility.
Margin Pressure From Rising Deposit CostsPersistent upward pressure on deposit rates and a high cumulative deposit beta erode net interest margin over time. Even modest sustained deposit cost increases reduce net interest income, limiting PPNR upside and forcing trade-offs between margin protection and competitive deposit retention.
Lower ACL Reduces Credit BufferDeclining allowance relative to loans tightens the cushion against credit deterioration. If macro conditions worsen, the bank may need material provisions, impairing earnings and capital. This reserve reduction therefore raises medium-term earnings and capital volatility risk despite current credit improvements.

First Horizon News

FHN FAQ

What was First Horizon National’s price range in the past 12 months?
First Horizon National lowest stock price was $19.80 and its highest was $26.56 in the past 12 months.
    What is First Horizon National’s market cap?
    First Horizon National’s market cap is $11.95B.
      When is First Horizon National’s upcoming earnings report date?
      First Horizon National’s upcoming earnings report date is Oct 21, 2026 which is in 70 days.
        How were First Horizon National’s earnings last quarter?
        First Horizon National released its earnings results on Jul 15, 2026. The company reported $0.54 earnings per share for the quarter, beating the consensus estimate of $0.52 by $0.02.
          Is First Horizon National overvalued?
          According to Wall Street analysts First Horizon National’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does First Horizon National pay dividends?
            First Horizon National pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 2.52%. See more information on First Horizon National dividends here
              What is First Horizon National’s EPS estimate?
              First Horizon National’s EPS estimate is 0.52.
                How many shares outstanding does First Horizon National have?
                First Horizon National has 473,777,160 shares outstanding.
                  What happened to First Horizon National’s price movement after its last earnings report?
                  First Horizon National reported an EPS of $0.54 in its last earnings report, beating expectations of $0.52. Following the earnings report the stock price went down -3.033%.
                    Which hedge fund is a major shareholder of First Horizon National?
                    Currently, no hedge funds are holding shares in FHN
                    What is the TipRanks Smart Score and how is it calculated?
                    Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                      Company Description

                      First Horizon National

                      First Horizon Corporation functions as the parent company of First Horizon Bank, offering a diverse range of financial services. Its operations are segmented into three core divisions: Regional Banking, Specialty Banking, and Corporate. The company provides standard banking services to consumers, businesses, financial institutions, and governmental bodies. Beyond core banking, it also underwrites eligible securities, such as fixed-income instruments, via its financial subsidiaries; engages in the sale of loans and derivatives; and provides advisory services. Its broad service portfolio further encompasses mortgage banking, title insurance and loan-closing, brokerage, correspondent banking, nationwide check clearing and remittance, trust and fiduciary functions, equipment financing, and both investment and financial advisory. Additionally, First Horizon markets mutual funds, retail insurance products, and credit cards. Across the United States, the corporation maintains a significant presence, with roughly 500 First Horizon Bank branches across 22 states and about 400 FHN Financial centers in 12 states. Formerly known as First Horizon National Corporation, the company adopted its current name, First Horizon Corporation, in November 2020. Established in 1864, its corporate headquarters are located in Memphis, Tennessee.

                      First Horizon (FHN) Earnings & Revenues

                      FHN Company Deck

                      FHN Earnings Call

                      Q2 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call emphasized multiple positive operating and financial developments—double‑digit adjusted EPS improvement year over year, solid loan growth, stronger PPNR, improving ROTCE, disciplined capital management with meaningful buybacks, and favorable credit trends (lower NPLs). Offsetting items include modest NIM compression, a rise in deposit costs and seasonal reliance on brokered funding, ADR volatility impacting fixed income revenue, and higher marketing/outside services this quarter. Management reiterated guidance, expressed confidence in executing a $100M+ PPNR opportunity, and highlighted expense discipline and targeted investments. On balance, the positives (robust earnings momentum, loan and fee growth, capital deployment and improving credit) outweigh the manageable headwinds related to funding competition and macro volatility.View all FHN earnings summaries

                      FHN Stock 12 Month Forecast

                      Average Price Target

                      $28.50
                      ▲(11.63% Upside)
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