First Horizon National Stock Analysis

FHN Stock  USD 25.84  0.07  0.27%   
Below is the normalized historical share price chart for First Horizon National extending back to March 17, 1980. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of First Horizon stands at 25.84, as last reported on the 5th of February, with the highest price reaching 25.94 and the lowest price hitting 25.48 during the day.
IPO Date
26th of March 1990
200 Day MA
21.8368
50 Day MA
23.8756
Beta
0.618
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
First Horizon National has over 4.57 Billion in debt which may indicate that it relies heavily on debt financing. At this time, First Horizon's Short and Long Term Debt Total is very stable compared to the past year. As of the 5th of February 2026, Long Term Debt is likely to grow to about 1.7 B, while Net Debt is likely to drop about 1.9 B. With a high degree of financial leverage come high-interest payments, which usually reduce First Horizon's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

First Horizon's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. First Horizon's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps First Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect First Horizon's stakeholders.
For many companies, including First Horizon, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for First Horizon National, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, First Horizon's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.4679
Price Sales
3.7821
Shares Float
479.5 M
Dividend Share
0.6
Wall Street Target Price
27.5
At this time, First Horizon's Stock Based Compensation is very stable compared to the past year. . At this time, First Horizon's Price Fair Value is very stable compared to the past year.
First Horizon National is undervalued with Real Value of 28.17 and Target Price of 27.5. The main objective of First Horizon stock analysis is to determine its intrinsic value, which is an estimate of what First Horizon National is worth, separate from its market price. There are two main types of First Horizon's stock analysis: fundamental analysis and technical analysis.
The First Horizon stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. First Horizon is usually not traded on Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day ( substitute day ), Independence Day. First Stock trading window is adjusted to America/New York timezone.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Horizon National. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.

First Stock Analysis Notes

About 95.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.47. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Horizon National has Price/Earnings To Growth (PEG) ratio of 1.67. The entity last dividend was issued on the 13th of March 2026. The firm had 10159:10000 split on the 9th of September 2009. First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee. First Horizon operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 7500 people. To learn more about First Horizon National call David Jordan at 901 523 4444 or check out https://www.firsthorizon.com.

First Horizon Quarterly Total Revenue

1.26 Billion

First Horizon National Investment Alerts

First Horizon is unlikely to experience financial distress in the next 2 years
Over 95.0% of the company shares are owned by institutional investors
On 2nd of January 2026 First Horizon paid $ 0.15 per share dividend to its current shareholders
Latest headline from thelincolnianonline.com: Ligand Pharmaceuticals Director John Kozarich Sells 467 Shares

First Largest EPS Surprises

Earnings surprises can significantly impact First Horizon's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2015-07-17
2015-06-300.20.220.0210 
2014-07-18
2014-06-300.160.180.0212 
2013-07-19
2013-06-300.190.17-0.0210 
View All Earnings Estimates

First Horizon Environmental, Social, and Governance (ESG) Scores

First Horizon's ESG score is a quantitative measure that evaluates First Horizon's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of First Horizon's operations that may have significant financial implications and affect First Horizon's stock price as well as guide investors towards more socially responsible investments.

First Stock Institutional Investors

Shares
Geode Capital Management, Llc2025-06-30
M
Amvescap Plc.2025-06-30
M
Jpmorgan Chase & Co2025-06-30
6.7 M
Norges Bank2025-06-30
6.2 M
Alyeska Investment Group, L.p.2025-06-30
5.9 M
Ubs Group Ag2025-06-30
5.8 M
Citadel Advisors Llc2025-06-30
5.6 M
Clearbridge Advisors, Llc2025-06-30
5.4 M
Fidelity International Ltd2025-06-30
M
Blackrock Inc2025-06-30
57.4 M
Vanguard Group Inc2025-06-30
50.8 M
Note, although First Horizon's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

First Market Capitalization

The company currently falls under 'Large-Cap' category with a total capitalization of 12.69 B.

First Profitablity

The company has Net Profit Margin of 0.29 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.4 %, which entails that for every 100 dollars of revenue, it generated $0.4 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.10  0.09 
Return On Assets 0.01  0.01 
Return On Equity 0.11  0.12 

Management Efficiency

First Horizon National has Return on Asset of 0.012 % which means that on every $100 spent on assets, it made $0.012 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1094 %, implying that it generated $0.1094 on every 100 dollars invested. First Horizon's management efficiency ratios could be used to measure how well First Horizon manages its routine affairs as well as how well it operates its assets and liabilities. As of the 5th of February 2026, Return On Equity is likely to grow to 0.12, while Return On Tangible Assets are likely to drop 0.01. At this time, First Horizon's Total Assets are very stable compared to the past year. As of the 5th of February 2026, Non Current Assets Total is likely to grow to about 20.7 B, while Non Currrent Assets Other are likely to drop about 5.2 B.
Last ReportedProjected for Next Year
Book Value Per Share 18.62  19.55 
Tangible Book Value Per Share 15.33  16.10 
Enterprise Value Over EBITDA 11.48  14.56 
Price Book Value Ratio 1.33  1.96 
Enterprise Value Multiple 11.48  14.56 
Price Fair Value 1.33  1.96 
Examining the leadership quality of First Horizon National offers valuable insights into its operational efficiency and financial health. This analysis assists investors in making informed decisions regarding the stock.
Dividend Yield
0.0233
Operating Margin
0.3975
Profit Margin
0.2927
Forward Dividend Yield
0.0264
Beta
0.618

Technical Drivers

As of the 5th of February, First Horizon shows the Coefficient Of Variation of 440.54, downside deviation of 1.24, and Mean Deviation of 1.07. First Horizon National technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.

First Horizon National Price Movement Analysis

The output start index for this execution was fourty-nine with a total number of output elements of twelve. The Moving Average is predictive technique used to analyze First Horizon National price data points by creating a series of averages of different subsets of First Horizon entire price series.

First Horizon National Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Horizon insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Horizon's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Horizon insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

First Horizon Outstanding Bonds

First Horizon issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Horizon National uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Horizon National has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Horizon Predictive Daily Indicators

First Horizon intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Horizon stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

First Horizon Corporate Filings

F4
2nd of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
13A
29th of January 2026
An amended filing to the original Schedule 13G
ViewVerify
27th of January 2026
Other Reports
ViewVerify
8K
15th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
23rd of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
8th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
13th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10Q
6th of November 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify

First Horizon Forecast Models

First Horizon's time-series forecasting models are one of many First Horizon's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Horizon's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

First Horizon Bond Ratings

First Horizon National financial ratings play a critical role in determining how much First Horizon have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for First Horizon's borrowing costs.
Piotroski F Score
6
HealthyView
Beneish M Score
(2.48)
Unlikely ManipulatorView

First Horizon National Debt to Cash Allocation

As First Horizon National follows its natural business cycle, the capital allocation decisions will not magically go away. First Horizon's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
First Horizon National has 4.57 B in debt with debt to equity (D/E) ratio of 10.05, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Note however, debt could still be an excellent tool for First to invest in growth at high rates of return.

First Horizon Total Assets Over Time

First Horizon Assets Financed by Debt

The debt-to-assets ratio shows the degree to which First Horizon uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

First Horizon Debt Ratio

    
  5.18   
It appears that most of the First Horizon's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the First Horizon's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of First Horizon, which in turn will lower the firm's financial flexibility.

First Horizon Corporate Bonds Issued

First Short Long Term Debt Total

Short Long Term Debt Total

4.71 Billion

At this time, First Horizon's Short and Long Term Debt Total is very stable compared to the past year.

About First Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how First Horizon prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First Horizon. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.26  0.27 
Operating Profit Margin 0.26  0.27 
Net Profit Margin 0.20  0.21 
Gross Profit Margin 0.67  0.58 

Current First Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
27.5Strong Buy16Odds
First Horizon National current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of First Horizon National, talking to its executives and customers, or listening to First conference calls.
First Analyst Advice Details

First Stock Analysis Indicators

First Horizon National stock analysis indicators help investors evaluate how First Horizon stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading First Horizon shares will generate the highest return on investment. By understating and applying First Horizon stock analysis, traders can identify First Horizon position entry and exit signals to maximize returns.
Begin Period Cash Flow1.7 B
Long Term Debt1.3 B
Common Stock Shares Outstanding496 M
Total Stockholder Equity8.8 B
Total Cashflows From Investing Activities-1.1 B
Tax Provision282 M
Quarterly Earnings Growth Y O Y0.749
Property Plant And Equipment Net544 M
Cash And Short Term Investments4.6 B
Cash961 M
Accounts Payable67.5 B
Net Debt3.6 B
50 Day M A23.8756
Total Current Liabilities71.3 B
Other Operating Expenses3.7 B
Non Current Assets Total11.5 B
Forward Price Earnings12.6904
Stock Based Compensation59 M
When determining whether First Horizon National offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Horizon's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Horizon National Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Horizon National Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Horizon National. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.
You can also try the Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
Will Regional Banks sector continue expanding? Could First diversify its offerings? Factors like these will boost the valuation of First Horizon. Market participants price First higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every First Horizon data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
0.749
Dividend Share
0.6
Earnings Share
1.87
Revenue Per Share
6.644
Quarterly Revenue Growth
0.237
The market value of First Horizon National is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Horizon's value that differs from its market value or its book value, called intrinsic value, which is First Horizon's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because First Horizon's market value can be influenced by many factors that don't directly affect First Horizon's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Horizon's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Horizon is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, First Horizon's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.