First Horizon Corporation Reports Full Year 2025 Net Income Available to Common Shareholders (NIAC) increased 29% to $956 Million or $1.87 EPS; Adjusted NIAC increased 15% to $968 Million or $1.89 EPS, driven by revenue strength and credit performance*
Rhea-AI Summary
First Horizon (NYSE: FHN) reported full year 2025 net income available to common shareholders of $956 million or $1.87 EPS, a meaningful earnings increase versus 2024 (2024 NIAC $738 million; EPS $1.36). Adjusted NIAC was $968 million or $1.89 EPS, described as up 15% year-over-year. Fourth quarter 2025 NIAC was $257 million or $0.52 EPS (adjusted Q4 NIAC $259 million or $0.52 EPS).
2025 results were reduced by a net $12 million after-tax of notable items versus a $105 million after-tax reduction in 2024. Management highlighted revenue strength, credit performance, and disciplined risk management as drivers of 2025 earnings growth. A conference call and webcast were scheduled for January 15, 2026.
Positive
- Full year NIAC of $956M and EPS of $1.87
- Adjusted NIAC of $968M and adjusted EPS of $1.89
- Reported EPS increase versus 2024 ($1.36 in 2024)
- Fourth quarter NIAC of $257M and adjusted Q4 NIAC of $259M
Negative
- 2025 results reduced by $12M after-tax of notable items
News Market Reaction
On the day this news was published, FHN gained 1.62%, reflecting a mild positive market reaction.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
Market Reality Check
Peers on Argus
FHN was down 0.17% while several regional bank peers like SSB (+1.44%), WBS (+1.55%), WF (+1.8%) and EWBC (+0.15%) traded higher, suggesting a stock-specific reaction rather than a sector-wide move.
Historical Context
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Jan 09 | Leadership hire | Positive | -1.1% | Senior VP hire to lead consumer distribution and ATM strategy. |
| Jan 07 | Leadership changes | Positive | -0.3% | Promotions and reassignment of regional and market presidents. |
| Dec 15 | Leadership hire | Positive | -0.3% | New Charlotte Market President appointed to drive regional strategy. |
| Dec 12 | Earnings date notice | Neutral | +0.6% | Announcement of date and logistics for Q4 and FY 2025 results. |
| Dec 11 | Employer award | Positive | +0.4% | Recognition as a 2025 Forbes Best-in-State Employer for Tennessee. |
Recent positive corporate and leadership announcements have often seen modest or negative next-day price reactions, indicating a tendency for muted or contrarian responses to favorable news.
Over the last few months, FHN news has focused on leadership appointments across key markets, recognition as a 2025 Forbes Best-in-State Employer, and scheduling of the Q4 and full year 2025 earnings release on Jan 15, 2026. These events produced small price moves, with several positive items followed by slight declines. Today’s strong 2025 earnings update, featuring higher NIAC and EPS, follows this pattern of operational progress against relatively contained stock reactions.
Market Pulse Summary
This announcement highlights strong 2025 performance, with NIAC reaching $956 million and EPS of $1.87, plus adjusted NIAC of $968 million and EPS of $1.89. Quarterly NIAC of $257 million and EPS of $0.52 extended momentum from Q3. Historically, FHN’s corporate and leadership news has produced modest price moves. Investors may watch future earnings, credit performance, and execution on growth strategy to assess how durable this earnings expansion proves.
Key Terms
AI-generated analysis. Not financial advice.
Fourth Quarter 2025 Net Income Available to Common Shareholders grew
"We are pleased to report a strong fourth quarter performance to close out an outstanding 2025 for First Horizon. Consistent execution of our strategy across the organization has driven tremendous earnings growth throughout the year, resulting in an earnings per share of
"As we enter 2026, we remain focused on deepening client relationships, maximizing revenue opportunities, and enhancing our products and capabilities. I am grateful for the dedication of our associates and their commitment to success for our clients, shareholders, and each other."
Fourth quarter net income available to common shareholders was
Conference Call Information
Analysts, investors and interested parties may call toll-free starting at 8:15 a.m. CT on January 15, 2026, by dialing 1-833-470-1428 (if calling from the
Participants can also opt to listen to the live audio webcast at https://ir.firsthorizon.com/events-and-presentations/default.aspx.
A replay of the call will be available beginning at noon CT on January 15 until midnight CT on January 29, 2026. To listen to the replay, dial 1-866-813-9403 (
Forward-Looking Statements
This document and the complete 4Q2025 earnings release to which it relates contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to FHN's beliefs, plans, goals, expectations, and estimates. Forward-looking statements are not a representation of historical information, but instead pertain to future operations, strategies, financial results, or other developments. Forward-looking statements often use words such as "believe," "expect," "anticipate," "intend," "estimate," "should," "is likely," "will," "going forward," and other similar expressions that indicate future events and trends. Forward-looking statements are necessarily based upon estimates and assumptions that are inherently subject to significant business, operational, economic, and competitive uncertainties and contingencies, many of which are beyond FHN's control, and many of which, with respect to future business decisions and actions (including acquisitions and divestitures), are subject to change and could cause FHN's actual future results and outcomes to differ materially from those contemplated or implied by forward-looking statements or historical performance. While there is no assurance that any list of uncertainties and contingencies is complete, examples of factors which could cause actual results to differ from those contemplated by forward-looking statements or historical performance include those mentioned: in this document and the complete 4Q2025 earnings release to which it relates; in Items 2.02 and 7.01 of FHN's Current Report on Form 8-K filed with the Securities and Exchange Commission on the date of this release; in the forepart, and in Items 1, 1A, and 7, of FHN's most recent Annual Report on Form 10-K; and in the forepart, and in Item 1A of Part II, of FHN's Quarterly Report(s) on Form 10-Q filed after that Annual Report. Any forward-looking statements made by or on behalf of FHN speak only as of the date they are made, and FHN assumes no obligation to update or revise any forward-looking statements that are made in this document or in any other statement, release, report, or filing from time to time. Actual results could differ and expectations could change, possibly materially, because of one or more factors, including those factors listed in this document or the documents mentioned above, and other factors not listed.
Throughout this document and the complete 4Q2025 earnings release to which it relates, numbers may not total due to rounding, references to EPS are fully diluted, and capital ratios for the most recent quarter are estimates.
Use of non-GAAP Measures and Regulatory Measures that are not GAAP
Certain measures included in this document and the complete 4Q2025 earnings release to which it relates are "non-GAAP," meaning they are not presented in accordance with generally accepted accounting principles in the
The non-GAAP measures presented in this document and the complete 4Q2025 earnings release to which it relates are fully taxable equivalent measures, pre-provision net revenue ("PPNR"), return on average tangible common equity ("ROTCE"), tangible common equity ("TCE") to tangible assets ("TA"), tangible book value ("TBV") per common share, and various consolidated and segment results and performance measures and ratios adjusted for notable items.
Presentation of regulatory measures, even those which are not GAAP, provide a meaningful base for comparability to other financial institutions subject to the same regulations as FHN, as demonstrated by their use by banking regulators in reviewing capital adequacy of financial institutions. Although not GAAP terms, these regulatory measures are not considered "non-GAAP" under
Refer to the tabular reconciliation of non-GAAP to GAAP measures and presentation of the most comparable GAAP items, beginning on page 22 of FHN's complete 4Q25 earnings release available at https://ir.firsthorizon.com.
First Horizon Corp. (NYSE: FHN), with
*References to "adjusted" results exclude notable items and, along with return on tangible common equity, tangible book value per share, and certain other financial measures, are non-GAAP financial measures. All references to loans include leases. All references to earnings per share are based on diluted shares. Please see page 6 for information on our use of non-GAAP measures and a reconciliation of these measures to GAAP beginning on page 22 of FHN's complete 4Q25 earnings release available at https://ir.firsthorizon.com.
Contact: | Investor Relations - Tyler.Craft@firsthorizon.com |
Media Relations - Beth.Ardoin@firsthorizon.com |
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SOURCE First Horizon Corporation
FAQ
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