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First Horizon Corporation FHN

First Horizon Corporation scores average on business quality (4.6 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$23.08Oct 9, 2026
Business qualityAverage
Next earningsOct 15, 2026, before the open
Insiders, 90 daysSelling

Why it matters

  1. What First Horizon Corporation does

    First Horizon operates as a regional bank, generating revenue primarily through interest income and fee-based financial services provided to consumers and businesses across the American South. The bank focuses on expanding its regional deposit base while managing capital through buybacks of $619 million.

  2. What it does best

    First Horizon drives efficiency through deposit retention in its core Southeast markets, supporting a net margin of 29.1%. This regional density creates sticky customer relationships that outpace smaller peers, though regional economic shifts can pressure the base.

  3. The main risk

    Analyst price target trims from firms like Wells Fargo to $25 highlight pressures on net interest income expansion. If deposit costs rise faster than loan yields, net margin compression will directly erode earnings.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityFair

Net margin holds at 29.1% with an ROE of 11.7%, reflecting moderate profitability that scales alongside regional loan growth.

MoatWeak

A regional banking franchise locking in commercial and retail depositors across the Southeast, reflected in a sector ROE percentile of 32.

GrowthSlow

Revenue grew 7.2% to $3.5B, showing steady top-line expansion that sits in the middle of the pack compared to peers like PNFP.

Financial healthFair

Debt-to-equity sits at 0.5 with total debt at $4.6B, balanced by $1.0B in free cash flow. The capital structure remains stable.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 sold $455K outside pre-planned sales.

Our sealed record on FHN

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is FHN a good business?

First Horizon Corporation scores average on the Cluenex quality check (4.6 of 10), measured against its own industry. Profitability is fair, moat weak, growth slow and financial health fair.

Are insiders buying FHN?

In the last 90 days of SEC Form 4 filings: 1 sold $455K outside pre-planned sales.

When does FHN report earnings?

Oct 15, 2026, before the open.

For members

See FHN today

  • Today's verdict on FHN, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “First Horizon Corporation (FHN)”, https://cluenex.com/stocks/fhn/, data as of Oct 10, 2026.