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Upturn AI SWOT - About
FHN 
First Horizon National Corporation (FHN)
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Upturn Advisory Summary
10/14/2025: 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 $25.57
1 Year Target Price $25.57
| 7 | Strong Buy |
| 3 | Buy |
| 6 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.38% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.69B USD | Price to earnings Ratio 14.48 | 1Y Target Price 25.57 |
Price to earnings Ratio 14.48 | 1Y Target Price 25.57 | ||
Volume (30-day avg) 16 | Beta 0.68 | 52 Weeks Range 14.98 - 23.63 | Updated Date 10/14/2025 |
52 Weeks Range 14.98 - 23.63 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 2.67% | Basic EPS (TTM) 1.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-10-15 | When Before Market | Estimate 0.45 | 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 14.48 | Forward PE 12.08 | Enterprise Value 13428349952 | Price to Sales(TTM) 3.79 |
Enterprise Value 13428349952 | Price to Sales(TTM) 3.79 | ||
Enterprise Value to Revenue 4.33 | Enterprise Value to EBITDA - | Shares Outstanding 507747624 | Shares Floating 502137013 |
Shares Outstanding 507747624 | Shares Floating 502137013 | ||
Percent Insiders 0.76 | Percent Institutions 88.38 |
Upturn AI SWOT
First Horizon National Corporation
Company Overview
History and Background
First Horizon National Corporation was founded in 1864 as First National Bank of Memphis. Over time, it expanded through acquisitions and organic growth, evolving into a diversified financial services holding company. In 2023 it was acquired by TD Bank Financial Group.
Core Business Areas
- Commercial Banking: Provides a range of banking and financial services to businesses, including loans, deposits, treasury management, and international services.
- Regional Banking: Offers retail banking services to individuals and small businesses, including checking and savings accounts, loans, mortgages, and investment services.
- Fixed Income: Offers sales, trading, and strategy for fixed income instruments.
Leadership and Structure
Prior to its acquisition, the leadership team consisted of the CEO, CFO, and other key executives. The organizational structure was a traditional hierarchical model with various business units reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes. Market share data is not publicly available. Competitors: Bank of America, Wells Fargo, Regions Financial.
- Mortgages: Residential mortgage loans. Market share data is not publicly available. Competitors: Wells Fargo, JPMorgan Chase, US Bank.
- Treasury Management Services: Solutions for businesses to manage their cash flow and payments. Market share data is not publicly available. Competitors: Bank of America, JPMorgan Chase, PNC.
Market Dynamics
Industry Overview
The banking industry is currently facing a complex environment with fluctuating interest rates, increasing regulatory scrutiny, and technological disruption.
Positioning
Prior to its acquisition, First Horizon National Corporation was positioned as a regional bank with a focus on the Southeast. It competed with larger national banks and smaller regional players.
Total Addressable Market (TAM)
The total addressable market for banking services is significant, encompassing all individuals and businesses requiring financial services. First Horizon National Corporation competed within a specific geographic region and customer segment of this TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Diversified revenue streams
Weaknesses
- Smaller scale compared to national banks
- Reliance on regional economy
- Limited international presence
Opportunities
- Expansion into new markets within the Southeast
- Investment in technology to improve customer experience
- Acquisition of smaller banks
Threats
- Increasing competition from larger banks
- Economic downturn in the Southeast
- Rising interest rates
Competitors and Market Share
Key Competitors
- RF
- USB
- PNC
Competitive Landscape
First Horizon was a strong regional player, but faced challenges competing with larger national banks with greater resources and brand recognition.
Major Acquisitions
IBERIABANK Corporation
- Year: 2020
- Acquisition Price (USD millions): 3900
- Strategic Rationale: Expanded First Horizon's presence in key markets across the Southeast.
Growth Trajectory and Initiatives
Historical Growth: First Horizon experienced steady growth in revenue and net income prior to its acquisition.
Future Projections: Not applicable as First Horizon was acquired.
Recent Initiatives: Prior to acquisition, First Horizon focused on digital transformation and expansion in key markets.
Summary
First Horizon National Corporation, prior to its acquisition by TD Bank Financial Group, was a well-established regional bank with a solid presence in the Southeast. Its diversified revenue streams and established customer relationships were strengths, but its smaller scale and reliance on the regional economy posed challenges. The acquisition provided shareholders with value while integrating First Horizon's operations into a larger financial institution.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Financial news sources
- Industry reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
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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