📊 AI Stock Rating — Summary

First Horizon Corporation reported quarterly revenue of $1.27 billion for Q3 2025, with a net income of $262 million resulting in an EPS of $0.50. The net margin was approximately 20.6%. Free cash flow was $74 million during the quarter, indicating a focus on maintaining liquidity and operational efficiency. Year-to-year comparisons suggest moderate growth with stable earnings. First Horizon's asset base stood at $83.19 billion with total liabilities of $73.95 billion, resulting in equity of $9.24 billion. The company maintained a net debt position of $4.69 billion. Analysts target a price range between $23 and $28, suggesting potential appreciation from the current context. The dividend yield is sustained through a consistent quarterly payout of $0.15 per share, reflecting a commitment to shareholder returns alongside a substantial debt repayment strategy during the quarter.

AI Score Breakdown

Revenue Growth — Score: 6/10

Revenue growth for First Horizon appears stable but not exceptional at $1.27 billion. Main growth drivers likely include expanding loan portfolios and stable net interest margins in a competitive market.

Profitability — Score: 7/10

Net margins at 20.6% and EPS of $0.50 indicate solid profitability. Operating efficiencies and controlled cost management are essential factors contributing to these results.

Cash Flow Quality — Score: 6/10

Free cash flow is positive at $74 million, supported by substantial operating cash flow. Dividend payments are consistent, complemented by stock buybacks, although overall liquidity remains a focus.

Leverage & Balance Sheet — Score: 7/10

With total assets at $83.19 billion against $73.95 billion in liabilities, First Horizon maintains a strong balance sheet. Net debt is managed effectively, but substantial debt repayments indicate cautious leverage strategies.

Shareholder Returns — Score: 7/10

Consistent dividends with a robust share buyback program enhance shareholder value. Analyst price targets between $23 and $28 suggest potential stock appreciation, pending market conditions.

Analyst Sentiment & Valuation — Score: 7/10

Analyst forecasts remain positive regarding current valuations, with targets suggesting room for upside. Valuation metrics indicate that the stock is potentially well-positioned against industry peers.

⚠ AI-generated — informational only, not financial advice.