NYSE$FHN

First Horizon Corporation · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

First Horizon Corporation reported Q3 2025, net income of $266M, diluted EPS of $0.50.

For Q3 2025, First Horizon Corporation reported net income of $266M, diluted EPS was $0.50. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Net income $266M.
  • Diluted EPS $0.50.
  • First Horizon Corporation highlights operating priorities and capital allocation.

Headline financials

Total Revenue

$889M

Previous: $827M+7.5%
EPS (adj)

$0.50

Previous: $0.40+25.0%
CET1 Ratio

11.0%

No prior period
Tangible Book Value/Share

$13.94

No prior period
Net Interest Margin

3.5%

No prior period
Efficiency Ratio

61.9%

No prior period
Return on Assets

1.3%

No prior period
Adjusted ROTCE

15.0%

No prior period
Capital Expenditures

-$26M

Previous: -$27M+3.7%
Net Income

$266M

Previous: $218M+22.0%
Operating Income

$344M

Previous: $286M+20.3%

Revenue & EPS history

First Horizon · Revenue · Quarterly

$889M

Q3 2025+7.5%vs Q3 2024
Beat estimate in 7 of 14 quarters(50%)
ActualEstimate

Forward guidance

The release discusses First Horizon Corporation's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • First Horizon Corporation cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

-0.9%

Avg return

Earnings day

-0.3%

Avg return

5 days after

+2.2%

Avg return

30 days after

44%

31 / 70 earnings

Positive

+7.3%

Q2 2019

Best reaction

-9.5%

Q3 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025+1.6%+2.2%-2.8%
Q1 2026-0.5%+2.2%-2.8%
Q3 2025-9.5%-10.8%-7.0%
Q2 2025+0.5%-2.1%+1.5%
Q1 2025-1.6%-5.5%+15.8%
Q4 2024+0.8%+0.1%+3.3%
Q3 2024+4.4%+2.5%+21.8%
Q2 2024-7.2%-5.7%-9.5%
Q1 2024+2.7%+7.2%+15.1%
Q4 2023+6.3%+7.5%+4.8%
Q3 2023+2.9%-2.9%+13.6%
Q2 2023+0.0%+3.0%-0.6%
Q1 2023+0.3%-1.6%-40.7%
Q4 2022+0.4%+0.5%+1.3%
Q3 2022+0.5%+1.0%+1.8%
Q2 2022+1.6%+0.2%+5.5%
Q1 2022+0.1%-0.9%-4.8%
Q4 2021-2.5%-1.1%+2.9%
Q3 2021-0.6%-0.3%-1.4%
Q2 2021-8.9%-4.1%-1.3%
Q1 2021+3.0%+7.7%+13.3%
Q4 2020+0.7%-4.5%+14.4%
Q3 2020-6.1%-12.7%+4.5%
Q2 2020-3.2%-0.1%+8.5%
Q1 2020-1.1%+0.6%+10.8%
Q4 2019+3.2%+3.5%-2.4%
Q3 2019-4.6%-2.4%+0.9%
Q2 2019+7.3%+7.8%+2.9%
Q1 2019+4.6%+3.4%-0.6%
Q4 2018-1.0%-0.5%+6.2%
Q3 2018+0.8%-2.4%+2.2%
Q2 2018-4.8%-1.6%+3.1%
Q1 2018-0.1%-2.6%+0.2%
Q4 2017-0.5%+1.5%-3.7%
Q3 2017+2.4%+1.1%-4.0%
Q2 2017+0.9%+0.8%-1.7%
Q1 2017-0.9%-0.6%-2.7%
Q4 2016-4.2%-3.9%-2.7%
Q3 2016-2.3%+0.6%+19.3%
Q2 2016+0.8%+1.4%+3.1%
Q1 2016+2.5%
Q4 2015-3.9%
Q3 2015-1.4%
Q2 2015+0.1%
Q1 2015-1.2%
Q4 2014+1.8%
Q3 2014+1.8%
Q2 2014+1.7%
Q1 2014-0.1%
Q4 2013+2.4%
Q3 2013-4.9%
Q2 2013+1.2%
Q1 2013+2.3%
Q4 2012-1.8%
Q3 2012-2.8%
Q2 2012-7.5%
Q1 2012+0.9%
Q4 2011-0.2%
Q4 2010-0.2%
Q4 2008-0.2%
Q3 2011-4.0%
Q2 2011-3.1%
Q1 2011+2.2%
Q3 2009-5.0%
Q3 2010-5.0%
Q2 2010-4.1%
Q1 2010-5.2%
Q2 2009-5.2%
Q1 2009-5.2%
Q4 2009-5.2%

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