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Upturn AI SWOT - About
FHN 
First Horizon National Corporation (FHN)
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Upturn Advisory Summary
08/28/2025: FHN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $24.58
1 Year Target Price $24.58
| 7 | Strong Buy |
| 3 | Buy |
| 6 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.99% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.53B USD | Price to earnings Ratio 14.58 | 1Y Target Price 24.58 |
Price to earnings Ratio 14.58 | 1Y Target Price 24.58 | ||
Volume (30-day avg) 16 | Beta 0.67 | 52 Weeks Range 14.41 - 23.00 | Updated Date 08/29/2025 |
52 Weeks Range 14.41 - 23.00 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.64% | Basic EPS (TTM) 1.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.34% | Operating Margin (TTM) 41.38% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 9.44% |
Valuation
Trailing PE 14.58 | Forward PE 13.07 | Enterprise Value 13215095808 | Price to Sales(TTM) 3.74 |
Enterprise Value 13215095808 | Price to Sales(TTM) 3.74 | ||
Enterprise Value to Revenue 4.37 | Enterprise Value to EBITDA - | Shares Outstanding 507748000 | Shares Floating 501573413 |
Shares Outstanding 507748000 | Shares Floating 501573413 | ||
Percent Insiders 0.76 | Percent Institutions 88.34 |
Upturn AI SWOT
First Horizon National Corporation
Company Overview
History and Background
First Horizon National Corporation was founded in 1864 in Memphis, Tennessee, as First National Bank. Over time, it expanded through acquisitions and organic growth, evolving into a regional financial services company.
Core Business Areas
- Regional Banking: Provides a full range of commercial banking services, including business and personal checking accounts, commercial lending, mortgages, and wealth management.
- Fixed Income: Engages in fixed income securities sales, trading, and underwriting.
- Mortgage Banking: Originates, sells, and services residential mortgages.
Leadership and Structure
The leadership team includes the CEO, CFO, and other executive officers. The organizational structure comprises business segments supported by functional departments like risk management, compliance, and technology.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, or acquisitions. Market share data varies regionally and depends on specific loan types. Competitors include Truist, Regions Financial, and other regional banks.
- Residential Mortgages: Mortgage origination and servicing. Competitors include Rocket Mortgage, Wells Fargo, and local mortgage companies. Market share is geographically dependent.
- Wealth Management: Financial planning, investment management, and trust services for high-net-worth individuals. Competitors include Raymond James, Morgan Stanley, and other wealth management firms. Revenue data is typically reported within the banking segment.
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, economic conditions, and regulatory changes. Competition is intense, with both traditional banks and fintech companies vying for market share.
Positioning
First Horizon National Corporation is a regional bank focusing on the Southeast. It aims to provide personalized service and local expertise. Its competitive advantages include a strong presence in its core markets.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is substantial, measured in trillions of dollars. First Horizon National Corporation's positioning focuses on capturing a portion of this TAM through relationship-based banking.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Diversified revenue streams
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on interest rate environment
- Susceptible to economic downturns
- Integration risks from acquisitions
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Strategic acquisitions of smaller banks or fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- TRST
- RF
- CMA
Competitive Landscape
First Horizon National Corporation competed with larger national banks and regional players. Its strengths included a strong local presence and customer relationships. Its weaknesses included limited geographic diversification.
Major Acquisitions
IBERIABANK
- Year: 2020
- Acquisition Price (USD millions): 3900
- Strategic Rationale: Expansion into new markets and diversification of revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Growth was achieved through organic expansion and acquisitions. The company focused on expanding its presence in the Southeast.
Future Projections: Future growth projections are no longer applicable since the company was acquired by TD Bank.
Recent Initiatives: Recent initiatives included investments in technology, expansion of wealth management services, and branch optimization.
Summary
First Horizon National Corporation was a regional bank with a solid presence in the Southeast. It focused on commercial banking, wealth management, and mortgage services. Before being acquired by TD Bank, the company faced competition from larger national banks and fintech companies and had to manage interest rate and economic cycle fluctuations. Its strengths included customer relationships and a diversified revenue model.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Market Research Reports
Disclaimers:
The information provided is based on historical data and publicly available sources. It is not financial advice. The company was acquired and financial data is no longer available.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Horizon National Corporation
Exchange NYSE | Headquaters Memphis, TN, United States | ||
IPO Launch date 1990-03-26 | Chairman, President & CEO Mr. D. Bryan Jordan | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 7300 | Website https://www.firsthorizon.com |
Full time employees 7300 | Website https://www.firsthorizon.com | ||
First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. It operates through Regional Banking, Specialty Banking, and Corporate segments. The company offers commercial banking, business banking, consumer banking, and private client and wealth management business such as deposit, commercial, consumer & wealth investment, wealth management, financial planning, trust and asset management services. The Specialty Banking segment provides wholes banking services like fixed income/capital markets, professional commercial real estate, mortgage warehouse lending, asset-based lending, franchise finance, equipment finance, energy finance, healthcare finance, and trucking and transportation finance; as well as treasury management solutions, loan syndications, and international banking. In addition, the company offers corporate and correspondent banking services. Further, it provides transaction processing services including check clearing services and remittance processing, credit card products, investment, and sale of mutual fund and retail insurances, as well as trust, fiduciary, and agency services. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.
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