First Horizon Corporation Common Stock (FHN)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at banks as leveraged, regulated businesses where a fair return on equity, a sensible price to book, and credit discipline matter more than a story. First Horizon, at the 2026-10-13 close of $22.77, is priced by FairStock at 10.95 times earnings, 1.27 times book, with an 11.45% return on equity and a 2.99% dividend yield. That is not a giveaway price, but it is not demanding either, especially with a beta of 0.63 and a PEG of 0.91. The filed numbers show progress: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $887.0M, net income $270.0M, and diluted EPS $0.54, versus $830.0M, $241.0M, and $0.45 in fiscal Q2 2025, the quarter ended 2025-06-30. Fiscal Q1 2026, the quarter ended 2026-03-31, had revenue $862.0M, net income $262.0M, and EPS $0.53. Full-year fiscal 2025 had revenue $3.4B, net income $982.0M, and EPS $1.87, up from $775.0M and $1.36 in fiscal 2024, though fiscal 2023 was stronger on revenue and EPS than 2024. The Lynch category is slow grower, with profit up only 3.1% a year over five years, so I would not pay a high multiple. The moat is modest: local relationships and switching costs, but regional banking is competitive and rate/credit sensitive. Piotroski 7/9 is decent, and the FairStock Score is 62/100. Still, CET1, net interest margin, nonperforming loans, and combined ratio are not in the data, so I cannot fully assess safety. Price looks fair, with possible mild upside if recent earnings hold.

In plain English: First Horizon is a regional bank that takes deposits and makes loans to people and businesses through First Horizon Bank. Its recent profits have improved, and the stock price looks moderate compared with its earnings and accounting value. The business looks steady but not fast-growing, and the numbers given do not show important bank safety details like capital strength and loan quality.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer