Core Viewpoint - First Horizon Corporation will participate in the Raymond James 47th Annual Institutional Investors Conference on March 3, 2026, showcasing its leadership in the financial services sector [1] Group 1: Company Participation - Chief Financial Officer Hope Dmuchowski and Chief Credit Officer Thomas Hung will represent First Horizon at the conference [1] - A live webcast and audio replay of the event will be available on the First Horizon Investor Relations website [1] Group 2: Company Overview - First Horizon Corporation has $83.9 billion in assets as of December 31, 2025, positioning it as a leading regional financial services company [1] - The company operates in 12 states, primarily in the southern U.S., offering a wide range of financial services including commercial, private banking, consumer, and wealth management [1] - First Horizon has received recognition as one of the best employers by Fortune and Forbes magazines and is listed as a Top 10 Most Reputable U.S. Bank [1]

Core Viewpoint - First Horizon Corporation will participate in the Bank of America 2026 Financial Services Conference on February 11, 2026, featuring key executives Bryan Jordan and Hope Dmuchowski [1]. Group 1: Event Participation - The event will be held at 8:50 am ET and will include a live webcast and audio replay available on the First Horizon Investor Relations website [2]. Group 2: Company Overview - First Horizon Corporation, with $83.9 billion in assets as of December 31, 2025, is a prominent regional financial services company headquartered in Memphis, TN, operating in 12 states in the southern U.S. [4]. - 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 [4]. - First Horizon has received recognition 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 [4].

Financial Data and Key Metrics Changes - The company reported a significant increase in its allowance for credit losses (ACL), which rose from $300 million to $632 million, reflecting prudent preparation for potential credit losses in a challenging environment [38] - The tangible common equity increased by 35 basis points during the quarter, despite the company buying back $100 million of common stock [56] Business Line Data and Key Metrics Changes - The Corporate and Institutional Banking (CIB) segment is expected to see growth in fee income, particularly from loan syndication and corporate services, which have been building over the past 18 months [17][19] - The mortgage lending business is gaining traction, with expectations for continued growth in fee income from originating loans for resale in the secondary market [19] Market Data and Key Metrics Changes - The company noted a positive trend in office leasing, with good activity in various markets during the fourth quarter, indicating a recovery in the office sector [30] - The life sciences market is experiencing mixed results, with some projects succeeding while others face challenges due to macroeconomic factors and reduced funding [28] Company Strategy and Development Direction - The company aims to diversify its earning assets and increase fee income as a larger part of its revenue over the long term [16] - There is a focus on enhancing treasury management services and expanding into private banking, which are expected to contribute to revenue growth [20] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about 2026, anticipating it to be near the end of the current credit cycle, with signs of improvement in leasing and property sales [12] - The company is cautiously optimistic about the support from sponsors in the life sciences sector, although some projects may still face challenges [34] Other Important Information - The company has been actively managing its non-performing assets, with a focus on working collaboratively with sponsors to resolve issues [48] - The company has seen a return of liquidity in the office space, with several projects refinancing successfully [32] Q&A Session Summary Question: Outlook on loan sales and credit charge-offs - Management confirmed that the recent loan sale was at par and does not indicate a change in strategy, emphasizing that it was a unique case [8] Question: Fee income growth potential - Management indicated that while fee income has not been a significant part of the story, there are long-term tailwinds expected from investments in CIB [16] Question: Credit uncertainties in office and life sciences - Management acknowledged challenges in the life sciences sector but noted that there is no new speculative supply being added, which could support recovery [28] Question: Timeline for resolution of non-performing assets - Management discussed various paths for resolving non-performing assets, indicating that some may take longer than others [48] Question: Margin outlook and buyback plans - Management stated that they will be opportunistic with buybacks and are pleased with the margin performance, which held well during the quarter [56]

Group 1 - Banco Bilbao Vizcaya Argentaria, S.A. (NYSE:BBVA) is recognized as one of the best performing affordable stocks under $40, with recent buy ratings and increased price targets from Bank of America and Citi [1][2] - The bank has a strong market presence in Mexico, Türkiye, and Spain, with a market cap of $133.7 billion, generating approximately 60% of its profits from Mexico, which is expected to grow due to USMCA trade agreements [2] - Profits from Türkiye are projected to triple by 2028, despite higher provisions, indicating significant growth potential in that region [2] Group 2 - BBVA trades at a discount compared to its peers and fair value, achieving around 22% return on tangible equity (ROTE) and is expected to engage in share buybacks [3] - The bank offers a diversified range of financial services, including retail and wholesale banking, asset management, private banking, and insurance [3]

Core Insights - First Horizon Corporation reported a 1% increase in net income available to common shareholders for Q4 2025, totaling $257 million, with an earnings per share (EPS) of $0.52, and an adjusted basis EPS of $0.52, reflecting a 2% increase from Q3 2025 results [1][3] - For the full year 2025, the company achieved a net income of $956 million, resulting in an EPS of $1.87, which represents a 38% increase compared to the EPS of $1.36 in 2024 [1][2] Financial Performance - The fourth quarter net income available to common shareholders was $257 million, up from $254 million in Q3 2025, with EPS increasing from $0.50 to $0.52 [3] - Notable items in Q4 2025 resulted in a net after-tax reduction of $2 million, compared to a $9 million reduction in Q3 2025 [3] - Adjusted fourth quarter 2025 net income was $259 million, slightly down from $263 million in Q3 2025, with adjusted EPS remaining stable at $0.52 [3] Strategic Focus - The company aims to deepen client relationships, maximize revenue opportunities, and enhance products and capabilities as it enters 2026 [2][3] - The CEO emphasized the importance of disciplined risk management and a resilient balance sheet to support sustainable growth [3] Company Overview - First Horizon Corporation, headquartered in Memphis, TN, has $83.9 billion in assets as of December 31, 2025, and operates in 12 states in the southern U.S. [13] - The company offers a range of financial services including commercial, private banking, consumer, small business, wealth management, and mortgage banking [13]

Core Insights - First Horizon announced several leadership promotions to enhance client service through local expertise [1][6] Leadership Promotions - Tony Adams has been promoted to Gulf States Regional President, focusing on strategic client opportunities in Louisiana, having significantly developed client relationships since joining in 2001 [2] - Jimmy Dunn has been elevated to New Orleans Market President, aiming to strengthen client relationships and market growth with a high-touch service model, having joined the company in 2014 [3] - Matt Phillips, previously managing the Texas Commercial Real Estate Group, will now serve as Regional President of the West Region, leveraging over 11 years of experience in Texas to guide client growth [4] - Alex Morton has transitioned from Birmingham Market President to Atlanta Market President, expected to capitalize on strategic hires and business momentum developed over the past eight years [5] Company Overview - First Horizon Corporation, with $83.2 billion in assets as of September 30, 2025, is a leading regional financial services company operating in 12 southern U.S. states [7] - The company offers a wide range of services including commercial, private banking, consumer, small business, wealth management, and mortgage banking [7] - First Horizon has been recognized as one of the best employers and a top reputable U.S. bank by Fortune and Forbes [7]

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].

Core Insights - First Horizon Corporation has been recognized in Forbes America's Best Employers for Women 2025 list, highlighting its commitment to gender equality in the workplace [1][2] Company Overview - First Horizon Corporation, with assets totaling $83.2 billion as of September 30, 2025, is a prominent regional financial services company based in Memphis, TN [4] - 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 [4] Employee Focus - The recognition from Forbes is attributed to the company's focus on listening to associates, investing in their growth, and fostering a positive work environment [3] - The survey evaluated employers based on factors such as pay equity, advancement opportunities, parental leave, work-life balance, and benefits for childcare or eldercare, along with the representation of women in executive and board positions [2]

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]