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Upturn AI SWOT - About
FHN 
First Horizon National Corporation (FHN)
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Upturn Advisory Summary
02/27/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 2.57% | Avg. Invested days 55 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.89B USD | Price to earnings Ratio 14.14 | 1Y Target Price 22.93 |
Price to earnings Ratio 14.14 | 1Y Target Price 22.93 | ||
Volume (30-day avg) 5779330 | Beta 0.88 | 52 Weeks Range 13.24 - 22.26 | Updated Date 03/30/2025 |
52 Weeks Range 13.24 - 22.26 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 3.12% | Basic EPS (TTM) 1.36 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.49% | Operating Margin (TTM) 35.1% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 8.63% |
Valuation
Trailing PE 14.14 | Forward PE 11.42 | Enterprise Value 11360631808 | Price to Sales(TTM) 3.25 |
Enterprise Value 11360631808 | Price to Sales(TTM) 3.25 | ||
Enterprise Value to Revenue 4.05 | Enterprise Value to EBITDA - | Shares Outstanding 514158016 | Shares Floating 515732870 |
Shares Outstanding 514158016 | Shares Floating 515732870 | ||
Percent Insiders 1.03 | Percent Institutions 87.74 |
Analyst Ratings
Rating 4 | Target Price 22.47 | Buy 3 | Strong Buy 6 |
Buy 3 | Strong Buy 6 | ||
Hold 6 | Sell - | Strong Sell - | |
Strong Sell - |
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. It grew through acquisitions and expanded its services to become a leading regional financial services company. In 2020, it merged with Iberiabank.
Core Business Areas
- Regional Banking: Offers a full range of banking services, including checking, savings, loans, and wealth management to individuals and businesses in the Southeast.
- Commercial Banking: Provides lending, treasury management, and other financial services to mid-sized and large corporations.
- Fixed Income: Offers fixed income trading, sales, and underwriting services.
Leadership and Structure
The leadership team is comprised of experienced executives in banking and finance. The organizational structure is hierarchical, with regional and functional divisions reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and real estate loans. Market share is dependent on regional concentration. Competitors include Truist, Regions, and major national banks.
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share fluctuates with interest rates and housing market conditions. Competitors include Wells Fargo, Bank of America, and Rocket Mortgage.
- Treasury Management Services: Provides businesses with solutions to manage their cash flow, including online banking, payment processing, and fraud prevention. Market share is dependent on regional concentration. Competitors include Truist, Regions, and major national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
First Horizon is positioned as a regional bank with a strong presence in the Southeast. Its competitive advantages include its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated to be in the hundreds of billions of dollars. First Horizon is positioned to capture a portion of this market through its regional focus and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Diversified product offerings
- Strong customer relationships
Weaknesses
- Smaller scale compared to national banks
- Geographic concentration limits growth potential
- Reliance on interest income makes it vulnerable to interest rate changes
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking services
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic slowdown
Competitors and Market Share
Key Competitors
- TRU
- RF
- BOH
Competitive Landscape
First Horizon competed as a regional player with a focus on customer service. Key competitors had advantages in scale and brand recognition.
Major Acquisitions
IBERIABANK
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: The merger of First Horizon and Iberiabank expanded the bank's footprint and combined two complementary businesses
Growth Trajectory and Initiatives
Historical Growth: First Horizon grew through acquisitions and organic growth in its regional markets.
Future Projections: Since the company was acquired, no future projections are available.
Recent Initiatives: The company was recently acquired by TD Bank and any strategic initiatives are now under the umbrella of the parent company.
Summary
First Horizon was a strong regional bank with a good presence in the Southeastern United States. The company's customer-centric approach and diversified product offerings were working well. However, they needed to look out for increasing competition from larger national banks and fintech companies, as well as the potential impact of rising interest rates and economic slowdowns.
Similar Companies
- TRU
- RF
- BOH
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
- Various financial news sources and industry reports.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change, and past performance is not indicative of future results.
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 7155 | Website https://www.firsthorizon.com |
Full time employees 7155 | 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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