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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*

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Fourth Quarter 2025 Net Income Available to Common Shareholders grew 1% to $257 Million or EPS of $0...

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First Horizon Corporation reported a 38% year-over-year increase in EPS for 2025, reaching $1.87, with net income of $956 million. The fourth quarter saw a modest rise in net income to $257 million, signaling stable growth as the company enters 2026 with a focus on client relationships and product enhancements.

Sentiment Rationale

The significant increase in EPS and strong management outlook typically indicates market confidence and potential stock appreciation. Historical trends show firms with similar growth patterns experience positive stock movement in the wake of earnings announcements.

Trading Thesis

Considering FHN's solid earnings growth and strategic focus, the stock is likely to appreciate in the near term.

Market-Moving

  • FHN's Q4 EPS of $0.52 meets expectations, indicating financial stability.
  • A strong CEO statement may support market confidence moving into 2026.
  • Investment in client relationships could lead to increased future revenues.
  • The company's operating environment may enhance growth potential in 2026.

Key Facts

  • FHN's Q4 2025 net income increased 1% to $257 million.
  • EPS for 2025 rose 38%, reaching $1.87.
  • Fourth quarter adjusted EPS remained steady at $0.52, despite notable item reductions.
  • CEO highlights focus on client relationships and sustainable growth into 2026.
  • FHN operates in 12 states with $83.9 billion in total assets.

Companies Mentioned

  • First Horizon (FHN): Solid earnings growth indicates resilience and potential for stock appreciation.

Earnings

This article falls into 'Earnings' as it discusses quarterly and full-year financial results. The positive earnings growth supports a favorable outlook for FHN, appealing to equity investors.

First Horizon Corporation Reports Strong Financial Growth for Full Year 2025

First Horizon Corporation (NYSE: FHN) announced impressive financial results for the full year 2025, highlighting a **29% increase** in net income available to common shareholders (NIAC), reaching **$956 million**, or an earnings per share (EPS) of **$1.87**. This growth is primarily attributed to robust revenue performance and effective credit management strategies.

Fourth Quarter Performance Highlights

In the fourth quarter of 2025, First Horizon reported net income available to common shareholders of **$257 million**, which translates to an EPS of **$0.52**. This figure marks a **1% increase** compared to the **$254 million** (or **$0.50 EPS**) reported in the third quarter of 2025. The fourth quarter results included a net after-tax reduction of **$2 million**, contrasting with a **$9 million** reduction (or **$0.01 per share**) in the prior quarter.

  • Fourth Quarter 2025 NIAC: **$257 million** or **$0.52** EPS
  • Third Quarter 2025 NIAC: **$254 million** or **$0.50** EPS
  • Adjusted Fourth Quarter 2025 NIAC: **$259 million** or **$0.52** EPS

Key Financial Metrics and Year-over-Year Comparison

For the entire year 2025, First Horizon's results show a **38% increase** in EPS compared to **$1.36** in 2024, while NIAC rose from **$738 million** in 2024 to **$956 million**. The notable items impacting 2025's earnings included a net reduction of **$12 million** after tax, significantly less than the **$105 million** reduction from the previous year.

Statements from Leadership

Chairman, President, and CEO Bryan Jordan commented on the results, saying, “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.”

Jordan further emphasized their focus moving into 2026, stating, “As we enter 2026, we remain focused on deepening client relationships, maximizing revenue opportunities, and enhancing our products and capabilities.”

Upcoming Conference Call

First Horizon will host a conference call for analysts and investors on January 15, 2026, starting at **8:30 a.m. CT**. Interested parties can join by dialing **1-833-470-1428** or listen to the live audio webcast at First Horizon Events.

Replays of the call will be available from **noon CT on January 15** until **midnight CT on January 29, 2026**.

Understanding Forward-Looking Statements

The report includes forward-looking statements as defined by the Private Securities Litigation Reform Act. These statements encompass FHN's beliefs and expectations for future operations and are subject to uncertainties that could cause actual results to differ materially.

For a thorough analysis, readers are encouraged to review the complete 4Q2025 earnings release and accompanying documents.

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