📊 FHN-PF Key Takeaways
Is First Horizon Corp. (FHN-PF) a Good Investment?
First Horizon demonstrates solid fundamental strength with robust revenue growth of 30.4% YoY, healthy profitability margins (28.7% net margin), and strong free cash flow generation of $595M. The company maintains conservative leverage (0.36x debt-to-equity) and generates operational cash flow significantly exceeding capital needs, though net income growth of only 2.7% suggests margin compression despite top-line expansion.
First Horizon shows strong core profitability with a 37.4% operating margin, 28.7% net margin, and solid returns on equity and assets for a commercial bank. Revenue growth of 30.4% materially outpaced net income growth of 2.7%, which suggests earnings quality should be monitored, but positive free cash flow, manageable reported long-term debt, and a well-capitalized equity base support a constructive fundamental view.
Why Buy First Horizon Corp. Stock? FHN-PF Key Strengths
- Strong revenue growth of 30.4% YoY indicating robust business expansion in banking sector
- Healthy profitability metrics with 28.7% net margin and 37.4% operating margin
- Excellent free cash flow generation at $595M with 17.4% FCF margin, supporting potential capital returns
- Conservative balance sheet with 0.36x debt-to-equity ratio and $1.6B cash position
- Strong absolute earnings of $982M with positive EPS growth of 37.5% YoY
- Strong profitability profile with 37.4% operating margin and 28.7% net margin
- Healthy balance sheet structure with $8.85B in equity and moderate reported long-term debt of $3.23B
- Positive operating cash flow and free cash flow generation, indicating good internal funding capacity
FHN-PF Stock Risks: First Horizon Corp. Investment Risks
- Significant slowdown in net income growth (2.7% YoY) despite 30.4% revenue growth indicates margin compression and rising cost pressures
- Low return on assets (1.2%) and moderate ROE (11.1%) suggest sub-optimal capital efficiency for a commercial bank
- Weak interest coverage ratio of 2.9x limits financial flexibility for additional leverage or economic downturns
- High insider activity (18 Form 4 filings in 90 days) may signal uncertainty among management regarding valuation or strategy
- Asset-heavy balance sheet ($83.9B in assets) with limited liquidity ratios available suggests potential interest rate sensitivity
- Net income growth lagged far behind revenue growth, which may indicate margin pressure or less efficient growth
- Interest coverage of 2.9x is adequate but not especially strong if funding costs remain elevated
- As a commercial bank, results remain sensitive to credit quality deterioration and deposit or funding pressures
Key Metrics to Watch
- Net income growth trajectory relative to revenue growth to assess margin stability and cost management
- Return on equity and return on assets improvements indicating capital deployment effectiveness
- Free cash flow sustainability and dividend/buyback allocation decisions
- Interest coverage ratio trend amid potential interest rate volatility
- Net interest margin (NIM) compression/expansion in the current rate environment
- Net interest margin and provision for credit losses
- Deposit trends, capital ratios, and interest coverage
First Horizon Corp. (FHN-PF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FHN-PF Profit Margin, ROE & Profitability Analysis
FHN-PF vs Finance Sector: How First Horizon Corp. Compares
How First Horizon Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Horizon Corp. Stock Overvalued? FHN-PF Valuation Analysis 2026
Based on fundamental analysis, First Horizon Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Horizon Corp. Balance Sheet: FHN-PF Debt, Cash & Liquidity
FHN-PF Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Horizon Corp.'s revenue has grown significantly by 160% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.54 reflects profitable operations.
FHN-PF Revenue Growth, EPS Growth & YoY Performance
FHN-PF Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2024 | $9.0M | $199.0M | $0.34 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
First Horizon Corp. Dividends, Buybacks & Capital Allocation
FHN-PF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Horizon Corp. (CIK: 0000036966)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FHN-PF
What is the AI rating for FHN-PF?
First Horizon Corp. (FHN-PF) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FHN-PF's key strengths?
Claude: Strong revenue growth of 30.4% YoY indicating robust business expansion in banking sector. Healthy profitability metrics with 28.7% net margin and 37.4% operating margin. ChatGPT: Strong profitability profile with 37.4% operating margin and 28.7% net margin. Healthy balance sheet structure with $8.85B in equity and moderate reported long-term debt of $3.23B.
What are the risks of investing in FHN-PF?
Claude: Significant slowdown in net income growth (2.7% YoY) despite 30.4% revenue growth indicates margin compression and rising cost pressures. Low return on assets (1.2%) and moderate ROE (11.1%) suggest sub-optimal capital efficiency for a commercial bank. ChatGPT: Net income growth lagged far behind revenue growth, which may indicate margin pressure or less efficient growth. Interest coverage of 2.9x is adequate but not especially strong if funding costs remain elevated.
What is FHN-PF's revenue and growth?
First Horizon Corp. reported revenue of $3.4B.
Does FHN-PF pay dividends?
First Horizon Corp. pays dividends, with $314.0M distributed to shareholders in the trailing twelve months.
Where can I find FHN-PF SEC filings?
Official SEC filings for First Horizon Corp. (CIK: 0000036966) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FHN-PF's EPS?
First Horizon Corp. has a diluted EPS of $1.87.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FHN-PF a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Horizon Corp. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FHN-PF stock overvalued or undervalued?
Valuation metrics for FHN-PF: ROE of 11.1% (sector avg: 12%), net margin of 28.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FHN-PF stock in 2026?
Our dual AI analysis gives First Horizon Corp. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FHN-PF's free cash flow?
First Horizon Corp.'s operating cash flow is $628.0M, with capital expenditures of $33.0M. FCF margin is 17.4%.
How does FHN-PF compare to other Finance stocks?
Vs Finance sector averages: Net margin 28.7% (avg: 25%), ROE 11.1% (avg: 12%), current ratio N/A (avg: 1.2).