First Horizon Valuation
| FHN Stock | USD 26.23 0.39 1.51% |
At this time, the firm appears to be undervalued. First Horizon National shows a prevailing Real Value of $28.38 per share. The current price of the firm is $26.23. Our model computes the value of First Horizon National from reviewing the firm fundamentals such as Shares Outstanding of 485 M, current valuation of 13.32 B, and Profit Margin of 0.29 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Horizon's valuation include:
Undervalued
Today
Please note that First Horizon's price fluctuation is very steady at this time. Calculation of the real value of First Horizon National is based on 3 months time horizon. Increasing First Horizon's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since First Horizon is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First Horizon's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 26.23 | Real 28.38 | Target 27.5 | Hype 26.25 |
The intrinsic value of First Horizon's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence First Horizon's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of First Horizon National helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Horizon more accurately as focusing exclusively on First Horizon's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use First Horizon's intrinsic value based on its ongoing forecasts of First Horizon's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against First Horizon's closest peers.
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First Horizon Total Value Analysis
First Horizon National is currently forecasted to have company total value of 13.32 B with market capitalization of 12.92 B, debt of 4.57 B, and cash on hands of 6.86 B. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the First Horizon fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
13.32 B | 12.92 B | 4.57 B | 6.86 B |
First Horizon Investor Information
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. Based on the analysis of First Horizon's profitability, liquidity, and operating efficiency, First Horizon National is performing exceptionally good at this time. It has a great probability to report excellent financial results in March.First Horizon Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. First Horizon has an asset utilization ratio of 5.94 percent. This suggests that the Company is making $0.0594 for each dollar of assets. An increasing asset utilization means that First Horizon National is more efficient with each dollar of assets it utilizes for everyday operations.First Horizon Profitability Analysis
Considering First Horizon's profitability and operating efficiency indicators, First Horizon National is yielding more profit at this time then in previous quarter. It has a moderate probability of reporting better profitability numbers in March. Profitability indicators assess First Horizon's ability to earn profits and add value for shareholders.Net Income | First Reported 1989-09-30 | Previous Quarter 262 M | Current Value 261 M | Quarterly Volatility 96 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.58 | 0.6732 |
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For First Horizon profitability analysis, we use financial ratios and fundamental drivers that measure the ability of First Horizon National to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well First Horizon utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between First Horizon's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of First Horizon over time as well as its relative position and ranking within its peers.
First Horizon Earnings per Share Projection vs Actual
The next projected EPS of First Horizon is estimated to be 0.5 with future projections ranging from a low of 0.45 to a high of 0.5322. First Horizon's most recent 12-month trailing earnings per share (EPS TTM) is at 1.87. Please be aware that the consensus of earnings estimates for First Horizon National is based on EPS before non-recurring items and includes expenses related to employee stock options.First Horizon Earnings Estimation Breakdown
The calculation of First Horizon's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of First Horizon is estimated to be 0.5 with the future projection ranging from a low of 0.45 to a high of 0.5322. Please be aware that this consensus of annual earnings estimates for First Horizon National is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.45 Lowest | Expected EPS | 0.53 Highest |
First Horizon Earnings Projection Consensus
Suppose the current estimates of First Horizon's value are higher than the current market price of the First Horizon stock. In this case, investors may conclude that First Horizon is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and First Horizon's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 18 | 93.73% | 0.52 | 0.5 | 1.87 |
First Horizon Ownership Allocation
First Horizon holds a total of 485 Million outstanding shares. The majority of First Horizon National outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in First Horizon National to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in First Horizon. Please pay attention to any change in the institutional holdings of First Horizon National as this could imply that something significant has changed or is about to change at the company. Please note that on November 12, 2024, Senator John Fetterman of US Senate acquired under $15k worth of First Horizon National's common stock.First Horizon Profitability Analysis
The company reported the last year's revenue of 4.99 B. Total Income to common stockholders was 794 M with profit before taxes, overhead, and interest of 3.36 B.First Horizon Past Distributions to stockholders
About First Horizon Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of First Horizon National. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of First Horizon National based exclusively on its fundamental and basic technical indicators. By analyzing First Horizon's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of First Horizon's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of First Horizon. We calculate exposure to First Horizon's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Horizon's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 3.4 B | 1.7 B | |
| 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 |
A single share of First Horizon represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Horizon Dividends Analysis For Valuation
At this time, First Horizon's Dividends Paid is very stable compared to the past year. As of the 8th of February 2026, Dividend Yield is likely to grow to 0.04, while Dividend Paid And Capex Coverage Ratio is likely to drop 2.49. . At this time, First Horizon's Retained Earnings are very stable compared to the past year. As of the 8th of February 2026, Retained Earnings Total Equity is likely to grow to about 4.1 B, while Earnings Yield is likely to drop 0.07.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 415.1 M | 435.9 M | |
| Dividend Yield | 0.03 | 0.04 | |
| Dividend Payout Ratio | 0.30 | 0.44 | |
| Dividend Paid And Capex Coverage Ratio | 2.82 | 2.49 |
There are various types of dividends First Horizon can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Horizon National directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Horizon by the value of the dividends paid out.
First Horizon Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 496 M | |
| Quarterly Earnings Growth Y O Y | 0.749 | |
| Forward Price Earnings | 12.7551 |
First Horizon Current Valuation Indicators
First Horizon's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final First Horizon's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Horizon, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Horizon's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Horizon's worth.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 CEOs Directory module to screen CEOs from public companies around the world.
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 | 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.