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First Horizon FHN Q4 2025 Annual earnings

Reported January 15, 2026 · Before market open

Revenue$891.0MBeat by $29.5M
EPS$0.52Beat by $0.06
Revenue estimate$861.5M
EPS estimate$0.46

Next report

Oct 21, 2026 (in 3 months)
Revenue estimate$892.6M
EPS estimate$0.53

Financials

Q4 2025

Income statement

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Revenue$888.0M+22.0%
Net income$262.0M+57.8%
EPS (diluted)$0.51+70.0%

Balance sheet

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Total debt$4.9B+0.3%
Total equity$8.8B+0.4%
Total assets$83.9B+2.1%

Cash flow

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Operating cash flow$396.0M+107%
CapEx$7.0M-58.8%
Free cash flow$389.0M+124%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$11.77B+10.2%
Enterprise value$16.71B+7.1%
P/E12×-1.8×
P/S3.4×+0.1×

Profitability

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Net margin28.8%+4.4pp

Returns & leverage

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Return on equity11.1%+2.4pp
Debt / equity0.6×0.0×

Segments

By segment

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Commercial, Consumer & Wealth$777.0M+3.6%
Wholesale$134.0M+18.6%
Corporate-$23.0M+83.0%

By product

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Underwriting, portfolio advisory, and other noninterest income$8.0M-27.3%

FAQ

When did First Horizon report Q4 2025 earnings?
First Horizon (FHN) reported Q4 2025 earnings on January 15, 2026 before market open.
What were First Horizon's Q4 2025 revenue and EPS?
First Horizon reported revenue of $891.0M and eps of $0.52 for Q4 2025.
Did First Horizon beat estimates in Q4 2025?
Revenue beat the consensus estimate of $861.5M by $29.5M. EPS beat the consensus estimate of $0.46 by $0.06.
How did First Horizon's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 21.9% from $1.1B a year earlier and eps grew 67.3% from $0.31.
Where can I find First Horizon's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000036966-26-000012) and the 10-K periodic report (0000036966-26-000051) directly on SEC EDGAR. The filing index links above go to sec.gov.