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First Horizon (FHN)
NYSE:FHN
US Market
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First Horizon (FHN) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 16, 2026
Before Open (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.45
Last Year’s EPS
0.43
Same Quarter Last Year
Moderate Buy
Based on 14 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 15, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
The earnings call highlighted strong EPS growth and improvements in net interest income and margin, while also addressing challenges in loan and deposit trends. Despite increased expenses, the company maintained a strong capital position and continued share buybacks.
Company Guidance
During the First Horizon Third Quarter 2025 Earnings Conference Call, the company provided guidance reflecting strong performance metrics. The adjusted earnings per share (EPS) increased by $0.06 from the previous quarter to $0.51, contributing to a 135 basis point rise in the adjusted return on tangible common equity (ROTCE) to 15%. Net interest income (NII) grew by $33 million, with a 15 basis point expansion in net interest margin (NIM) to 3.55%, driven by a 14 basis point increase in total loan yield. The company highlighted a $52 million decrease in period-end deposit balances, primarily due to a $652 million reduction in brokered certificates of deposit (CDs). Noninterest-bearing deposits saw a $131 million increase, maintaining a 97% retention rate on $29 billion in client balances undergoing repricing. The average rate on interest-bearing deposits saw a slight increase to 2.78%. The company reiterated its confidence in achieving year-over-year pre-provision net revenue (PPNR) growth and maintaining its revenue and expense guidance, with expenses potentially finishing at the top end of the current guidance range due to increased commissions. The credit portfolio showed a $7 million decrease in net charge-offs to $26 million, with a net charge-off ratio of 17 basis points. The allowance for credit losses (ACL) to loans ratio declined to 1.38% amidst a $5 million loan loss provision credit. The company also maintained its CET1 capital ratio at 11% and continued share buybacks with $190 million spent on repurchasing 8.6 million shares, with over $300 million remaining in buyback authorization. The company aims to achieve a sustainable 15% adjusted ROTCE through various strategic initiatives and capital management efforts.
Strong EPS Growth
First Horizon achieved an adjusted EPS of $0.51, marking a $0.06 increase from the previous quarter.
Net Interest Income and Margin Expansion
Net interest income grew by $33 million, and the net interest margin expanded by 15 basis points to 3.55%.
Deposits and Retention
Despite a decrease in brokered CDs, noninterest-bearing deposits increased by $131 million, with a retention rate of approximately 97% for clients with repricing events.
Capital and Share Buybacks
CET1 ratio remained at 11%, with $190 million in share buybacks completed, and more than $300 million in remaining buyback authorization.
Positive Loan Portfolio Performance
C&I portfolio grew with period-end balances up $174 million, and fee income increased by $26 million.

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

FHN Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 16, 2026
2025 (Q4)
0.45 / -
0.43
Oct 15, 2025
2025 (Q3)
0.45 / 0.51
0.427.50% (+0.11)
Jul 16, 2025
2025 (Q2)
0.42 / 0.45
0.3432.35% (+0.11)
Apr 16, 2025
2025 (Q1)
0.40 / 0.42
0.3327.27% (+0.09)
Jan 16, 2025
2024 (Q4)
0.39 / 0.43
0.3138.71% (+0.12)
Oct 16, 2024
2024 (Q3)
0.37 / 0.40
0.2373.91% (+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)
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
Oct 15, 2025
$23.02$20.85-9.43%
Jul 16, 2025
$21.08$21.52+2.09%
Apr 16, 2025
$17.31$17.04-1.56%
Jan 16, 2025
$20.92$20.84-0.38%
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 Jan 16, 2026, Before Open (Confirmed).
    What is First Horizon (FHN) earnings time?
    First Horizon (FHN) earnings time is at Jan 16, 2026, 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 (Q4) is 0.45.
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