First Horizon Corporation (FHN) Stock Analysis
Market Closed
Sector: Financial Services · Industry: National Commercial Banks
AnalystsHold24 analystsWhat's happening with FHN
Price History
5-Year Weekly Candlestick Chart
Profile
growth and financial health lag behind.
How is each axis scored?
- Valuation62/100 · Moderate
- P/E vs own history (34th pct)20/25
- FCF yield (4.7%)12/25
- P/S (3.2x)20/25
- EV/EBIT (n/a)10/25
- Growth12/100 · Weak
- Revenue CAGR (2.7%)6/25
- Net income CAGR (-0.4%)0/25
- EPS CAGR 5Y (1.5%)6/25
- Fwd implied growth (-2.7%)0/25
- Profitability67/100 · Moderate
- ROIC (7.9%)5/25
- ROE (11.2%)12/25
- Net margin (29.6%)25/25
- Operating margin (38.5%)25/25
- Financial Health48/100 · Weak
- Altman Z (0.20)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (D/A 5%)20/25
- Quality62/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.41)20/25
- FCF conversion (51%)15/25
- Margin stability (σ 8.0%)12/25
About First Horizon Corporation
First Horizon Corp is the parent company of First Tennessee Bank, a prominent regional bank with about 200 branches around Tennessee. Show more
The company's reportable segments are: Commercial, Consumer & Wealth, Wholesale, and Corporate. The majority of its revenue is generated from Commercial, Consumer & Wealth. The Commercial, Consumer & Wealth segment offers financial products and services, including traditional lending and deposit taking, to commercial and consumer clients in the southern USA and other selected markets. The Wholesale segment delivers industry-specific products and services, while the Corporate segment provides internal support functions like finance, risk, and audit.
Headquarters: MEMPHIS, TN · Employees: 7,400 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- SellOption exercise · filed 2026-08-24-1000 sh2026-08-20
- SellOption exercise · filed 2026-08-24-6724 sh2026-08-20
- SellOption exercise · filed 2026-08-24-3324 sh2026-08-20
- SellOption exercise · filed 2026-08-24-3763 sh2026-08-20
- SellOption exercise · filed 2026-08-24-3502 sh2026-08-20
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
62BP/E (TTM)11.1xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 5.6x–16.4x · 34th pct
P/FCF9.1xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield4.7%C
Grade C: LowTTM FCF / Market Cap — vs own 5Y history: 2.8%–17.3% · 50th pct
P/S (TTM)3.19xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.6x–4.6x · 39th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.21xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.04B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.01%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio34.6%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
67BROIC7.9%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE11.2%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin29.6%A
Grade A: HighNet Income / Revenue
Operating Margin38.5%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin15.1%A
Grade A: HighFCF / Revenue
True FCF Margin13.5%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
48D+Altman Z-Score0.20D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment7.9yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.45xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Growth
12ERevenue CAGR2.7%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-0.4%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)1.5%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-2.7%D
Grade D: Decl.Implied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)-12.7%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income5.5%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.6%A
Grade A: LowTTM stock-based comp / TTM Revenue
Quality
62BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.41A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion51.2%C
Grade C: AverageFCF / Net Income
Margin Stability8.0%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue0.9%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$2.11
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$1.98
Cash & short-term investments per share (Finnhub)
Book Value / Share$18.24
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$4.17B
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$9.17B
Shareholders' equity (book value)
Asset / Liability1.13xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$11.06B
Current Market Capitalization
Beta0.64B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Neutral
Takes ~7.9 years to repay net debt from free cash flow. · Current P/E of 11.1x sits at the 34th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 23, 2026
Key Insights: First Horizon Corporation (FHN)
Composite verdict for First Horizon Corporation: Neutral. Piotroski F-Score of 6/9 indicates mixed fundamentals for First Horizon Corporation. Altman Z-Score of 0.20 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.41 suggests a low likelihood of earnings manipulation.
- First Horizon Corporation converts about 15% of revenue into free cash flow — strong cash generation.
- Takes ~7.9 years to repay net debt from free cash flow.
- The stock currently yields 3.0% in dividends.
See how FHN ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all FHN moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 22 | After-hours | 23.35 | -2.42% | -2.20 |
Frequently Asked Questions about FHN
Is FHN stock a buy right now?
PreMarketPrice's quantitative model rates First Horizon Corporation's financial health at 48/100 — Neutral. This is a data-driven snapshot of fundamentals, not investment advice.
Is FHN stock overvalued?
First Horizon Corporation trades at a trailing P/E of 11.1 and our valuation score rates it 62/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does First Horizon Corporation report earnings?
No confirmed earnings date is currently scheduled for FHN. The Earnings section lists recent reports and updates as dates are announced.
What sector does First Horizon Corporation operate in?
First Horizon Corporation operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does First Horizon Corporation do?
First Horizon Corp is the parent company of First Tennessee Bank, a prominent regional bank with about 200 branches around Tennessee.
About First Horizon Corporation (FHN) Stock
First Horizon Corporation (FHN) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. Real-time pricing data for First Horizon Corporation is available on this page with a market capitalization of $11.1 billion. The financial health score for FHN is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for FHN stock.
FHN Stock Analysis & Key Metrics
On PreMarketPrice, you can track First Horizon Corporation (FHN) across multiple dimensions:
- Pre-market price & movement: Real-time FHN stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for FHN with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for First Horizon Corporation across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for FHN.
- Sector peers: Compare FHN against 10 other financial services stocks on key financial metrics.
Is FHN a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate First Horizon Corporation (FHN) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.First Horizon Corporation (FHN) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.