📊 FHN-PF Key Takeaways
Is FHN-PF a Good Investment? Thesis Analysis
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.
Why Buy 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
FHN-PF Investment Risks to Consider
- 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
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
FHN-PF Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FHN-PF Profitability Ratios
FHN-PF vs Finance Sector
How FIRST HORIZON CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FHN-PF Overvalued or Undervalued?
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.
FHN-PF Balance Sheet & Liquidity
FHN-PF 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
FHN-PF Quarterly 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.
FHN-PF Capital Allocation
FHN-PF SEC 10-K & 10-Q Filing 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 an AI rating of BUY with 72% 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.
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.
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 March 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).