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First Horizon (FHN) investor relations material
First Horizon Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary15 Oct, 2025
Executive summary
Adjusted EPS rose to $0.51, up $0.06 from the prior quarter, and adjusted ROTCE reached 15.0%, reflecting strong profitability and execution on strategic priorities.
Net income available to common shareholders for Q3 2025 was $254 million, up 9% sequentially and 19% year-over-year, supported by higher loan yields and effective cost management.
Share buybacks accelerated to $190 million, with tangible book value per share growing to $13.94 and over $300 million remaining in buyback authorization.
Fee income increased $26 million quarter-over-quarter, driven by improved customer activity and a $6 million boost from a mortgage servicing rights sale.
Maintains focus on safety, soundness, and sustainable growth, with continued investments in technology and client relationships.
Financial highlights
Net interest income grew by $33 million (5%) quarter-over-quarter, with net interest margin expanding 15 bps to 3.55%.
Total revenue rose 7% year-over-year and quarter-over-quarter, reaching $889 million.
Noninterest income rose $26 million to $215 million, driven by higher fixed income and mortgage banking revenues.
Noninterest expense increased $59 million to $551 million, with adjusted noninterest expense up $47 million, mainly due to a $20 million foundation contribution and higher technology and risk project expenses.
Provision for credit losses was a $5 million credit, compared to a $30 million expense in Q2 2025.
Outlook and guidance
2025 guidance maintained: adjusted revenue expected to be flat to up 4% versus FY24, and adjusted expense flat to up 2%.
Net charge-offs projected between 0.15% and 0.25%, with CET1 ratio targeted at 10.5%–11.0%.
Targeting sustainable 15%+ adjusted ROTCE for the coming year, with continued investments in technology and community partnerships.
Expects mid-single-digit loan growth in 2026, with continued momentum in C&I and CRE as rates decline.
Future tech/risk project expense outlook?
Deposit mix strategy going forward?
Commercial real estate NPL trend?
What changed in M&A outlook for 2026+
Detail core deposit trends and retention strategy
FHN Financial revenue sustainability and NIM outlook
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Next First Horizon earnings date
Q4 202515 Jan, 2026
Next First Horizon earnings date
Q4 202515 Jan, 2026
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Frequently asked questions
Southeastern Regional Bank
First Horizon Corporation is an American financial services company. It operates primarily through its subsidiary, First Horizon Bank, offering a comprehensive range of banking and financial products and services. These include consumer and commercial banking, wealth management, and capital market services, catering to individual, business, and institutional clients. The company is well known for its deep regional roots and has a strong presence in the Southeastern US. It is headquartered in Memphis, Tennessee, and its shares are listed on the NYSE.
Memphis Made
First Horizon Bank, founded in 1864 as First National Bank of Memphis, is one of the oldest financial institutions in the United States. The company was founded while Memphis was under martial law by the Union Army during the Civil War. Initially serving the Memphis region, the bank played a significant role in the city's economic development. The company slowly but surely became well-established in both Memphis and Tennessee during the 1900s, and eventually shifted its name to First Horizon National Corporation in 2004. In 2020, the company merged with Iberiabank, with the resulting entity keeping the First Horizon name.
Diverse Financial Services
First Horizon offers a diverse range of banking and financial services for individual consumers, businesses, and institutions. For individuals, First Horizon provides personal banking options like checking and savings accounts, credit cards, and mortgage services. Investment and wealth management services are also available for clients seeking to grow and manage their assets. Business and commercial clients can access a suite of services including business loans, treasury management, and capital market services. Additionally, First Horizon offers specialized banking solutions for sectors such as healthcare and real estate. Their services are designed to support financial management, growth, and investment across various customer segments.
Southeastern Focus
The company primarily operates in the Southern United States, with a significant presence in Tennessee, its home state. The company's regional focus extends to neighboring states, offering banking and financial services tailored to the needs of this specific geographic area. This regional concentration allows First Horizon to specialize in local market dynamics and customer needs, providing services that are relevant to the communities they serve, while also maintaining a network of branches and ATMs for convenient customer access. This regional focus is nothing unique in the US’s competitive banking landscape and some similar institutions to First Horizon include M&T Bank and Comerica.
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