Key Takeaways FHN shares gained 8.8% in six months, outpacing industry growth but trailing the S&P 500 rally.Strong loan growth, Fed rate cuts and liquidity support NII and capital distributions for FHN.Rising expenses and heavy commercial loan exposure pose near-term challenges to FHN's margins. First Horizon Corporation’s (FHN) shares have gained 8.8% in the past six months compared with the industry’s growth of 1.5%. During the same timeframe, the S&P 500 Index has rallied 19.7%. Meanwhile, the company’s ...

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First Horizon Corporation Conference Call Summary Company Overview - **Company**: First Horizon Corporation (NYSE:FHN) - **Assets**: $83 billion - **Branches**: Over 400 across the Southeast - **Headquarters**: Memphis, Tennessee - **Segments**: Regional banking, specialty banking, and corporate [1][3] Core Insights and Arguments Customer Sentiment and Loan Growth - Customers in the Southeast are optimistic and resilient despite past challenges like COVID and rising rates [4][5] - Loan growth is slower than previously anticipated, with expectations of high single-digit growth not materializing [5][6] - The mortgage warehouse business has been a bright spot for loan growth [5][8] Loan and Deposit Strategy - Focus on building long-term customer relationships rather than just selling products [7][8] - Emphasis on decentralized decision-making in local markets for deposit pricing [8][9] M&A Activity - Increased M&A activity in the Southeast with several competitors involved in mergers [10][11] - First Horizon has recently completed significant mergers and is now focused on organic growth [12][14] - The company is positioned to capitalize on opportunities arising from competitors' M&A disruptions [12][14] Interest Rate Environment and Asset Sensitivity - The company is optimistic about its countercyclical businesses, particularly FHN Financial, in a falling interest rate environment [17][18] - Mortgage warehouse business is expected to benefit from potential refinancing waves as rates decrease [20][26] Expense Management and Technology Investments - Commitment to keeping expenses flat while investing in technology and efficiency improvements [27][29] - Significant technology investments have been made to clear tech debt and enhance operational efficiency [31][32] - AI is being utilized to reduce costs and improve speed in developing new digital platforms [33][36] Credit Quality and Risk Management - Strong credit culture with a focus on client relationships and decentralized credit analysis [39][40] - Best-in-class charge-off rates, with a proactive approach to monitoring credit quality [41][45] - Increased vigilance regarding fraud and operational controls in response to industry challenges [49][50] ROTCE Target and Capital Management - Achieved a 15% ROTCE in Q4, with a goal to sustain and exceed this level [52][53] - Plans to return capital to shareholders primarily through loan growth, with share buybacks as a secondary option [59][60] - Maintaining a capital ratio of 11% with a long-term target of 10% [57][58] M&A Strategy - M&A is not a near-term priority; focus remains on organic growth and achieving top-tier returns [61][62] - The company is open to opportunities but prioritizes shareholder value and operational efficiency [64] Additional Important Points - The competitive deposit environment has quieted down, with clients aware of rate changes [66][68] - Technology expenses are being managed effectively, with a focus on client-facing projects [70][74] This summary encapsulates the key points discussed during the First Horizon Corporation conference call, highlighting the company's strategic focus, market conditions, and operational insights.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _____________________________________ FORM 10-Q _____________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to__________ Commission File Number: 001-15185 ____________________ ...

Accessibility StatementSkip Navigation MEMPHIS, Tenn., Oct. 29, 2025 /PRNewswire/ -- First Horizon Corporation (NYSE: FHN or "First Horizon") announced today Kimberley Wolterstorff Gregorie has joined the organization as Senior Vice President, Head of Consumer Sales. Gregorie will lead the consumer sales strategy, driving growth and ensuring an exceptional experience for First Horizon's clients across its retail channels. Continue Reading Kimberley Wolterstorff Gregorie, Senior Vice President, Head of Consu ...

Accessibility StatementSkip Navigation Mody is President of the Natural Gas Pipelines Group and a Vice President of Kinder Morgan, Inc., a publicly traded energy infrastructure company headquartered in Houston, Texas. MEMPHIS, Tenn., Oct. 28, 2025 /PRNewswire/ --Â First Horizon Corporation (NYSE: FHN or "First Horizon") today announced the election of Sital K. Mody, 54, as an independent director to the First Horizon Corporation Board of Directors and the First Horizon Bank Board of Directors. Mody is Presi ...

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Core Points - First Horizon Corporation has authorized a new common stock repurchase program worth $1.2 billion, replacing the previous program which had approximately $180 million remaining [1][2] - The board declared a quarterly cash dividend of $0.15 per share on common stock, payable on January 2, 2026, to shareholders of record by December 12, 2025 [2] - The company reported total assets of $83.2 billion as of September 30, 2025, indicating a strong capital position [8] Stock Repurchase Program - The new repurchase program will be effective from October 27, 2025, and will expire on January 31, 2027 [1] - The execution of share repurchases may occur in the open market or through privately negotiated transactions, with the timing and amount at the discretion of senior management [3] Dividend Information - Cash dividends were declared for various preferred stocks, including: - Series C: $165.00 per share, payable on February 2, 2026 [4] - Series E: $1,625.00 per share, payable on January 12, 2026 [5] - Series F: $1,175.00 per share, payable on January 12, 2026 [6] - First Horizon Bank Class A: $13.15736 per share, payable on January 12, 2026 [7] Company Overview - First Horizon Corporation is a leading regional financial services company headquartered in Memphis, TN, operating in 12 states primarily in the southern U.S. [8][9] - The company offers a wide range of services including commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking [9]

Core Points - First Horizon Corporation will have CFO Hope Dmuchowski and COO Tammy LoCascio participate in the BancAnalysts Association of Boston Conference on November 6, 2025, at 3:50 pm ET [1] - A live webcast and audio replay of the event will be available on the First Horizon Investor Relations website [2] - First Horizon Corporation has $83.2 billion in assets as of September 30, 2025, and operates in 12 states in the southern U.S., offering a range of financial services [4]

Group 1 - First Horizon National (FHN) has experienced a significant decline of 14.2% over the past four weeks, but it is now in oversold territory, indicating a potential trend reversal [1] - The Relative Strength Index (RSI) for FHN is currently at 29.81, suggesting that the heavy selling pressure may be exhausting itself [5] - There is strong consensus among Wall Street analysts that FHN will report better earnings than previously predicted, with a 3.8% increase in the consensus EPS estimate over the last 30 days [7] Group 2 - FHN holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, indicating a strong potential for a turnaround [8]