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CHARLOTTE, N.C., Dec. 15, 2025 /PRNewswire/ -- First Horizon Bank (NYSE: FHN or "First Horizon") announced today that Justin Rutledge will join the bank as Charlotte Market President. He will report to Laura Bunn, Mid-Atlantic Regional President for First Horizon Bank, and will lead market strategy and execution in Charlotte with a focus on client growth, associate engagement and community service. Continue Reading Justin Rutledge, Charlotte Market President First Horizon Bank "Justin's e ...

Core Points - First Horizon Corporation plans to announce its fourth quarter and full year financial results on January 15, 2026 [1] - The company will host a live conference call and webcast presentation on the same day at 9:30 am ET [1] - First Horizon Corporation has $83.2 billion in assets as of September 30, 2025, and operates in 12 states in the southern U.S. [2] Financial Results Announcement - The financial results will be available at ir.firsthorizon.com at approximately 6:30 am ET [1] - A replay of the conference call will be available until midnight CT on January 29, 2026 [1] - The company will provide a live webcast of the presentation, which will be archived on its website for one year [1] Company Overview - First Horizon Corporation is recognized as one of the nation's best employers by Fortune and Forbes magazines [2] - The company offers a wide range of financial services, including commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services [2] - The banking subsidiary, First Horizon Bank, is headquartered in Memphis, TN [2]

Core Viewpoint - First Horizon Corporation has been recognized by Forbes as a 2025 Best-in-State Employer for Tennessee, highlighting its commitment to employee satisfaction and organizational culture [1][2]. Company Overview - First Horizon Corporation, with $83.2 billion in assets as of September 30, 2025, is a leading regional financial services company based in Memphis, TN [3]. - The company operates in 12 states primarily in the southern U.S. and offers a wide range of financial services including commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking [3]. Employee Recognition - The recognition as a Best-in-State Employer is based on an independent survey of over 160,000 employees from companies with a minimum of 500 employees in the U.S., ensuring a representative sample of the workforce [2]. - Tanya Hart, Senior Executive Vice President and Chief Human Resources Officer, emphasized that the success of First Horizon is driven by associates who are committed to excellence for clients and communities, reflecting a culture that listens, invests, and empowers employees [3]. Industry Recognition - First Horizon has also been acknowledged as one of the nation's best employers by Fortune and Forbes magazines and is listed as a Top 10 Most Reputable U.S. Bank [3].

MEMPHIS, Tenn., Dec. 11, 2025 /PRNewswire/ -- First Horizon Corporation (NYSE: FHN or "First Horizon") announced today that it has been named to the Forbes America's Best Employers for Women 2025 list. Forbes partnered with market research firm Statista to survey more than 140,000 women working at U.S. companies with at least 1,000 employees. Continue Reading First Horizon Named to Forbes America's Best Employers for Women 2025 Survey participants were asked to rate their current employer ...

Core Insights - First Horizon has successfully executed its strategy to improve returns through tight cost discipline and returning additional capital [1] - The company maintains one of the most attractive footprints in the banking sector and is focused on improving overall returns on a sustainable basis [1] Company Leadership - The discussion features Chairman and CEO Bryan Jordan and CFO Hope Dmuchowski, indicating a strong leadership presence [2]

Summary of First Horizon Conference Call Company Overview - **Company**: First Horizon (FHN) - **Industry**: Banking Key Points and Arguments Financial Performance - First Horizon had a solid year in 2025, making progress on return targets and returning significant capital while maintaining tight cost discipline [2][5] - The company aims for a return on tangible common equity (ROTCE) of over 15% [5][31] Strategic Focus - The company has streamlined its strategy document from a lengthy format to a concise five to six-page version, enhancing clarity and focus across the organization [3][4] - Emphasis on improving profitability by rotating out less profitable relationships and focusing on core customer bases [2][4] Technology and Efficiency - Significant investments in technology have been made, improving efficiency and effectiveness in operations [2][4][27] - The transition to cloud-based data centers is expected to yield cost savings and operational efficiencies [27] Market Sentiment and Loan Activity - Customer confidence has been increasing, attributed to macroeconomic factors such as tariff adjustments and lower interest rates [6][7] - The bank anticipates originating approximately 60% more loans in 2025 compared to the previous year, indicating strong client sentiment [7] Loan Growth Expectations - Loan growth is expected to normalize to mid-single-digit percentages in 2026, with confidence in commercial and industrial (C&I) lending and mortgage warehouse businesses [8][10] - Commercial real estate (CRE) activity is starting to stabilize after previous declines [9][10] Competitive Landscape - Increased merger activity in the banking sector is seen as an opportunity for First Horizon to attract clients during integration phases of competitors [11][12] - The bank positions itself as a strong commercial middle-market lender, focusing on private client and wealth management to differentiate from competitors [12] Deposit Growth and Management - Deposit balances have remained stable, with good customer activity noted in commercial deposits [13][16] - The bank is managing deposit costs effectively, with expectations for continued growth in deposits to fund loan growth [13][16] Specialty Lending and Countercyclical Businesses - The bank is seeing positive trends in its countercyclical businesses, particularly in mortgage warehouse lending, which has remained steady [18][19] - Equipment leasing and commercial real estate are also highlighted as areas of growth [19][20] Cost Management - The bank aims to maintain flat expenses while investing in technology and talent, with a focus on efficiency [25][27] - A disciplined approach to spending is emphasized to ensure top-quartile returns [27] Capital Allocation and Share Buybacks - First Horizon has repurchased approximately $300 million in shares and plans to continue managing its capital effectively [33][40] - The bank aims to balance capital allocation between supporting loan growth and returning capital to shareholders [40][44] Credit Quality - The bank reports strong credit quality across various lending segments, with optimism for continued positive trends into 2026 [51][53] Future Outlook - The company is focused on driving incremental profitability and enhancing shareholder value through strategic initiatives and operational efficiencies [46][56] - The management remains open to M&A opportunities but prioritizes organic growth and profitability improvements [46][49] Misunderstandings and Opportunities - First Horizon is viewed as a transition story, with significant potential for growth and value creation in the coming years [56] Additional Important Points - The bank's approach to mortgage warehouse lending includes retaining loan documents to mitigate risks, differentiating it from competitors [53] - The management is cautious about the economic outlook, acknowledging potential downside risks while remaining optimistic about credit quality [45][51]

Core Insights - First Horizon Bank has promoted Todd Warrick to Triangle Market President for the Mid-Atlantic region, where he will continue to lead corporate and commercial banking efforts [1][2] - Warrick's focus will be on enhancing market share in Central North Carolina while maintaining strong community and associate engagement [1][2] - First Horizon Corporation has $83.2 billion in assets as of September 30, 2025, and operates in 12 states, primarily in the southern U.S. [3] Company Overview - First Horizon Corporation is recognized as a leading regional financial services company, offering a wide range of services including commercial, private banking, consumer, and wealth management [3] - The company has received accolades as one of the nation's best employers and is ranked among the Top 10 Most Reputable U.S. Banks [3] - The headquarters is located in Memphis, TN, and the bank is dedicated to helping clients and communities unlock their full potential [3]

Core Insights - The article compares First Horizon Corporation (FHN) and BOK Financial Corporation (BOKF) as two banks with distinct growth strategies, risk management, and customer engagement approaches [1] Group 1: First Horizon Corporation (FHN) - FHN has shown consistent growth in loans and deposits, indicating a strong business model and stable core markets [2] - Management expects continued growth in the commercial and industrial portfolio, mortgage-warehouse activity, and consumer lending demand [2] - Recent quarterly results show loan expansion across key categories and improved deposit strength due to promotional offerings and customer engagement [2] - FHN's net interest income (NII) has been improving, with expectations for further enhancement as loan demand increases and funding costs stabilize [3] - As of September 30, 2025, FHN held $2.1 billion in cash and interest-bearing deposits, with short-term borrowings of $4.3 billion and term borrowings of $1.3 billion [3] - FHN's revenue estimates for 2025 and 2026 imply year-over-year growth of 5.6% and 3.2%, respectively, with earnings expected to rise by 18.7% and 6.1% for the same years [10] - FHN's stock has gained 10.3% over the past year, outperforming the industry, which lost 5.4% [12] - FHN trades at a lower forward P/E of 11.69X compared to the industry average of 12.70X, indicating a more attractive valuation [16] - FHN has a dividend yield of 2.64%, having raised its quarterly dividend by 7% in January 2020 [19] Group 2: BOK Financial Corporation (BOKF) - BOKF has a balanced outlook with consistent loan and deposit expansion and favorable margin trends [4] - The company targets a year-over-year loan growth of 5-7% for 2025, focusing on diversifying its loan portfolio [4] - BOKF's NII is on an upward trend, expected to reach $1.33–$1.35 billion for 2025, up from $1.2 billion in 2024 [5] - Strategic market expansions, such as entering the San Antonio market and opening an office in Memphis, are enhancing BOKF's growth profile [6] - As of September 30, 2025, BOKF had total debt of $4.2 billion, with cash and equivalents totaling $1.4 billion, indicating a potentially unmanageable debt level [7] - BOKF's revenue estimates for 2025 and 2026 suggest year-over-year increases of 6.9% and 5.5%, respectively, with earnings expected to rise by 0.8% and 7.7% [11] - BOKF's stock has lost 1.1% over the past year, contrasting with FHN's performance [12] - BOKF trades at a higher forward P/E of 13.09X, reflecting a premium valuation compared to FHN [16] - BOKF has a dividend yield of 2.16%, having raised its quarterly dividend by 3.6% in October 2024 [19] Group 3: Comparative Analysis - FHN presents a more favorable upside profile due to steadier loan momentum, improving deposit stability, and a clearer runway for NII expansion [21] - BOKF's higher valuation, slower earnings growth outlook, and heavier debt load limit its relative appeal compared to FHN [22] - Both banks currently carry a Zacks Rank 3 (Hold), indicating a neutral outlook [22]

Core Insights - First Horizon has been recognized in Forbes America's Best Companies 2026 List, highlighting its status as a top-performing organization in the U.S. [1][2] - The recognition underscores First Horizon's commitment to its associates, clients, and communities, emphasizing a culture of valuing and empowering employees [2][4] Company Overview - First Horizon Corporation, with $83.2 billion in assets as of September 30, 2025, is a leading regional financial services company based in Memphis, TN [4] - The company operates in 12 states in the southern U.S. and offers a wide range of financial services including commercial, private banking, consumer, small business, wealth management, and mortgage banking [4] Evaluation Metrics - Forbes evaluated companies based on over 100 metrics, including employee sentiment, client feedback, financial performance, business trajectory, cybersecurity, media sentiment, workforce stability, and company size [7]