What is the 13F Pro Quality Score for FHN?

13F Pro ranks FIRST HORIZON CORP (FHN) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FHN's current score at https://13fpro.ai/company/FHN (free sign-up required for the full ranking).

Where does 13F Pro source FHN data?

All FIRST HORIZON CORP fundamentals and ownership data come directly from SEC EDGAR. FIRST HORIZON CORP files with the SEC under CIK 36966. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FHN in?

FIRST HORIZON CORP (FHN) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives FHN's revenue?

Per FIRST HORIZON CORP's latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Commercial, Consumer & Wealth ($777M); Net interest income ($654M); Wholesale ($125M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FHN.

What are FHN's largest expenses?

FIRST HORIZON CORP's latest 10-Q reports these as the largest expense items: Personnel expense ($304M, +8% YoY); Other expense ($60M, +11% YoY); Computer software ($40M, +18% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is FHN research updated on 13F Pro?

FHN's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FIRST HORIZON CORP(FHN)Stock Analysis

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SEC EDGAR: CIK 36966 FHN stock profile & AI dashboard →

13F Pro Quality Score

56.4/100

Rank #1,171 of 2,960 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

28.2/100

Profitability

91.5/100

Balance Sheet

46.5/100

Earnings Quality

33.2/100

Free Cash Flow

82.7/100

Institutional Flow

42.8/100

Revenue Scale

72.9/100

Dilution Risk

42.1/100

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Why FHN Scores 56/100

exact factor attribution · 2026-09-12

FHN's composite is driven by profitability and free cash flow, held back by revenue growth and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.3 pts

92th pct

Free cash flow

+4.9 pts

83th pct

Scale

+4.6 pts

73th pct

Earnings growth

+0.8 pts

62th pct

Capital efficiency

-0.5 pts

47th pct

Institutional flow

-0.5 pts

43th pct

Shareholder dilution

-0.5 pts

42th pct

Earnings quality

-1.7 pts

33th pct

Revenue growth

-5.8 pts

28th pct

Latest change (2026-08-08): 44 → 73 · ↑ Profit margin 30→92; ↑ Free cash flow 30→79

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in FHN

Events flagged as statistical outliers against FHN's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-08-08
FHN quality score jumped 29 points (44→73) on a new filing
View source filing →

FHN Stock Analysis & AI Quality Score

Data updated 2026-09-12

AI stock analysis and institutional research for FIRST HORIZON CORP (FHN), a Financials sector company. 13F Pro's AI-powered ranking engine scores FHN at 56.4/100 on a 32-signal composite quality model, placing it at rank #1,171 of 2,960 stocks — the top half of the AI-ranked universe. FHN scores in the top quartile across profitability (91.5), free cash flow (82.7). Areas of concern include revenue growth (28.2) and earnings quality (33.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 42.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), FIRST HORIZON CORP reports quarterly revenue of $887.0M, net income of $270.0M, an operating margin of 38.3%. Top institutional holders of FHN by reported 13-F value include BlackRock, Bank of New York Mellon, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. FHN trades on the NYSE exchange and files with the SEC under CIK 36966. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FHN daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST HORIZON CORP directly from SEC EDGAR. FIRST HORIZON CORP's 13F Pro composite quality score has ranged between 35 and 74 since 2021, currently 56.4 — a stable long-term trajectory across 57 quarterly and live scoring snapshots.

✦

Fun facts about FIRST HORIZON CORP

Quirks, history, and lore behind FHN — the kind of stuff that makes a stock memorable.

1
The Basics
A regional bank holding company · listed on the NYSE · headquartered in the American South · focused on consumer and commercial banking.
2
The Numbers
With roughly $80 billion in assets, it's one of the larger regional banks in the Southeast, operating hundreds of branches across multiple states.
3
The History
Its roots stretch back to 1864, making it one of the oldest banks in the South — born just as the Civil War was winding down and Memphis was rebuilding.
4
The Secret
In 2022, TD Bank announced a deal to acquire the company for roughly $13 billion, which would have made it a major cross-border banking merger — until it wasn't.
5
The Lore
The deal collapsed after TD Bank withdrew amid regulatory headwinds, leaving shareholders with a breakup fee but no new Canadian parent — a rare high-profile acquisition that fell apart at the finish line.
6
The Giveaway
A Memphis-based bank with a name that sounds patriotic and a ticker that sounds like a country music note — this is First Horizon, the South's quietly storied financial institution.

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What's Driving FHN's Business? Latest 10-Q Breakdown

✓ 34/34 datapoints verified

AI-extracted from FIRST HORIZON CORP's 10-Q filed 2026-08-06 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Revenue of $887M drove $260M net income available to common ($0.54 diluted EPS) as net interest margin expanded 9 basis points to 3.49% and provision halved to $15M.

Biggest Revenue Drivers

Commercial, Consumer & Wealth$777M

Net interest income up largely on lower rates paid on interest-bearing deposits; noninterest income up on brokerage, cash management and other service fees

Wholesale$125M

Net interest income up $9 million on commercial loan growth, primarily loans to mortgage companies; fixed income up on higher average daily revenue

Biggest Revenue Drivers

Total revenue: $887M

Commercial, Consumer & Wealth$777M

Net interest income up largely on lower rates paid on interest-bearing deposits; noninterest income up on brokerage, cash management and other service fees

Within Commercial, Consumer & Wealth

Net interest income$654M

Wholesale$125M

Net interest income up $9 million on commercial loan growth, primarily loans to mortgage companies; fixed income up on higher average daily revenue

Within Wholesale

Fixed income$46M+10% YoY

Average daily revenue of $594 thousand versus $550 thousand, reflecting more favorable market conditions

Corporate-$15M

Loss narrowed from negative $37 million on lower net interest expense of $15 million and higher noninterest income of $7 million

Largest Expense Items

Personnel expense$304M+8% YoY

$9 million higher salaries and benefits from increased headcount, $3 million higher incentives and commissions, $10 million higher deferred compensation

Other expense$60M+11% YoY

Largely attributable to $5 million in Visa derivative valuation expenses in second quarter 2026

Computer software$40M+18% YoY

Largely attributable to the timing of technology-related expenditures

Net occupancy expense$36M+6% YoY

Margins: Net interest margin rose 9 basis points to 3.49%, as the rate on interest-bearing liabilities fell 45 basis points, partially offset by loan yields down 25 basis points. Efficiency ratio worsened to 59.88% from 59.20%.

Watch Items from the Filing

Loans to mortgage companies ($4.8B) and finance and insurance companies ($4.3B) make 24% of the C&I portfolio sensitive to the financial services industry.
Available-for-sale securities carry $713 million of gross unrealized losses, with $706 million in positions held 12 months or longer; AOCI stands at negative $846 million.
Uninsured deposits total $27.7 billion, or 41% of total deposits; brokered deposits rose to $7.8 billion from $6.0 billion at December 31, 2025.
Nonperforming loans fell $73 million to $531 million (0.81% of loans) on C&I and CRE declines; allowance for credit losses ratio dropped to 1.24% from 1.31%.
CRE holds $980 million graded substandard, doubtful or loss, with office at $2.7 billion (20% of the portfolio); Florida is 26% of CRE balances.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$887.0M

Net Income

Q2 2026

$270.0M

Free Cash Flow

Q2 2026

$566.0M

Operating Margin

Q2 2026

38.3%

ROIC

Q2 2026

11.2%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+7.2% YoY

$3.42BFY 2025

FY22 $3.21BFY23 $3.47BFY24 $3.19BFY25 $3.42B

Net Income

+26.7% YoY

$982.0MFY 2025

FY22 $900.0MFY23 $897.0MFY24 $775.0MFY25 $982.0M

EPS (Diluted)

+37.5% YoY

$1.87FY 2025

FY22 $1.53FY23 $1.54FY24 $1.36FY25 $1.87

Total Assets

+2.1% YoY

$83.88BFY 2025

FY22 $78.95BFY23 $81.66BFY24 $82.15BFY25 $83.88B

Total Debt

-4.3% YoY

$3.25BFY 2025

FY22 $2.51BFY23 $2.55BFY24 $3.40BFY25 $3.25B

Op. Cash Flow

-50.5% YoY

$628.0MFY 2025

FY22 $2.29BFY23 $1.30BFY24 $1.27BFY25 $628.0M

Free Cash Flow

-51.4% YoY

$595.0MFY 2025

FY22 $2.26BFY23 $1.26BFY24 $1.22BFY25 $595.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$3.42B +7.2%	$3.19B -8.0%	$3.47B +8.1%	$3.21B +4.5%	$3.07B -2.7%	$3.15B
Net Income	$982.0M +26.7%	$775.0M -13.6%	$897.0M -0.3%	$900.0M -9.9%	$999.0M +18.2%	$845.0M
EPS (Diluted)	$1.87 +37.5%	$1.36 -11.7%	$1.54 +0.7%	$1.53 -12.1%	$1.74 -7.9%	$1.89
Total Assets	$83.88B +2.1%	$82.15B +0.6%	$81.66B +3.4%	$78.95B -11.4%	$89.09B +5.8%	$84.21B
Total Debt	$3.25B -4.3%	$3.40B +33.4%	$2.55B +1.7%	$2.51B +18.0%	$2.12B -3.4%	$2.20B
Operating Cash Flow	$628.0M -50.5%	$1.27B -2.4%	$1.30B -43.3%	$2.29B +216.0%	$725.0M +321.5%	$172.0M
Free Cash Flow	$595.0M -51.4%	$1.22B -3.0%	$1.26B -44.2%	$2.26B +228.9%	$688.0M +432.4%	$-207.0M

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Available Research

13F Pro tracks comprehensive data for FIRST HORIZON CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FHN

BlackRock, Inc.
$1.5B58,706,667 sh
Bank of New York Mellon Corp
$747.4M29,151,537 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$574.9M22,421,450 sh
VANGUARD CAPITAL MANAGEMENT LLC
$548.5M21,392,091 sh
STATE STREET CORP
$474.6M18,390,057 sh
DIMENSIONAL FUND ADVISORS LP
$420.0M16,382,049 sh
LSV ASSET MANAGEMENT
$336.2M13,113,410 sh
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AME
$326.4M12,731,777 sh
North Reef Capital Management LP
$235.9M9,201,256 sh
GEODE CAPITAL MANAGEMENT, LLC
$232.2M9,052,528 sh

Fund	Value	Shares
BlackRock, Inc.	$1.5B	58,706,667
Bank of New York Mellon Corp	$747.4M	29,151,537
VANGUARD PORTFOLIO MANAGEMENT LLC	$574.9M	22,421,450
VANGUARD CAPITAL MANAGEMENT LLC	$548.5M	21,392,091
STATE STREET CORP	$474.6M	18,390,057
DIMENSIONAL FUND ADVISORS LP	$420.0M	16,382,049
LSV ASSET MANAGEMENT	$336.2M	13,113,410
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AME	$326.4M	12,731,777
North Reef Capital Management LP	$235.9M	9,201,256
GEODE CAPITAL MANAGEMENT, LLC	$232.2M	9,052,528

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Is FHN a good stock to buy?

13F Pro's AI-powered analysis of FIRST HORIZON CORP (FHN) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FHN are available on the FHN stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FHN is classified as a large company.

Which hedge funds own FHN?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FHN. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST HORIZON CORP's investment landscape.