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First Horizon (FHN) Reports Q4 Earnings: What Key Metrics Have to Say
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For the quarter ended December 2025, First Horizon National (FHN - Free Report) reported revenue of $888 million, up 21.8% over the same period last year. EPS came in at $0.52, compared to $0.43 in the year-ago quarter.
The reported revenue represents a surprise of +2.99% over the Zacks Consensus Estimate of $862.19 million. With the consensus EPS estimate being $0.47, the company has not delivered EPS surprise.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how First Horizon performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net Interest Margin (FTE): 3.5% versus the four-analyst average estimate of 3.4%.
Efficiency Ratio: 61.3% compared to the 59.7% average estimate based on four analysts.
Net charge-off ratio: 0.2% versus 0.2% estimated by three analysts on average.
Average Balance - Total interest earning assets: $77.03 billion versus $76.16 billion estimated by two analysts on average.
Total nonperforming loans and leases: $604 million versus $622.63 million estimated by two analysts on average.
Total Non-Interest Income: $212 million versus $209.29 million estimated by four analysts on average.
Net interest income (FTE): $679 million versus $659.03 million estimated by three analysts on average.
Net Interest Income: $676 million compared to the $654.83 million average estimate based on three analysts.
Shares of First Horizon have returned +0.8% over the past month versus the Zacks S&P 500 composite's +1.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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First Horizon (FHN) Reports Q4 Earnings: What Key Metrics Have to Say
For the quarter ended December 2025, First Horizon National (FHN - Free Report) reported revenue of $888 million, up 21.8% over the same period last year. EPS came in at $0.52, compared to $0.43 in the year-ago quarter.
The reported revenue represents a surprise of +2.99% over the Zacks Consensus Estimate of $862.19 million. With the consensus EPS estimate being $0.47, the company has not delivered EPS surprise.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how First Horizon performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for First Horizon here>>>
Shares of First Horizon have returned +0.8% over the past month versus the Zacks S&P 500 composite's +1.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.