First Horizon (FHN) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - First Horizon National (FHN) reported a revenue of $888 million for the quarter ended December 2025, reflecting a year-over-year increase of 21.8% and surpassing the Zacks Consensus Estimate by 2.99% [1] - The earnings per share (EPS) for the quarter was $0.52, an increase from $0.43 in the same quarter last year, although it did not meet the consensus EPS estimate of $0.47 [1] Financial Performance Metrics - Net Interest Margin (FTE) was reported at 3.5%, exceeding the average estimate of 3.4% from four analysts [4] - The Efficiency Ratio stood at 61.3%, higher than the average estimate of 59.7% based on four analysts [4] - The Net Charge-Off Ratio was 0.2%, matching the average estimate from three analysts [4] - Average Balance of Total Interest Earning Assets was $77.03 billion, above the estimated $76.16 billion from two analysts [4] - Total Nonperforming Loans and Leases were reported at $604 million, lower than the estimated $622.63 million from two analysts [4] - Total Non-Interest Income was $212 million, slightly above the average estimate of $209.29 million from four analysts [4] - Net Interest Income (FTE) was $679 million, exceeding the estimate of $659.03 million from three analysts [4] - Net Interest Income was reported at $676 million, compared to the average estimate of $654.83 million from three analysts [4] Stock Performance - Shares of First Horizon have returned +0.8% over the past month, while the Zacks S&P 500 composite increased by +1.6% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]