FHN · NASDAQ · STOCK
First Horizon
$25.42
52W $19.80 – $26.56
71/100
$12.08B
12.1
0.62
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is FHN Bullish or Bearish?
Bullish.
Innellis AI committee rates First Horizon (FHN) Buy with a composite score of 71/100
, based on 6 analysts with 100% agreement.
Last updated August 09, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +3.88 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -16.12 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is revenue growing 64.2% yoy -- genuine top-line momentum. The main limiting factor is 4 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 11.5 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Dividend yield of 2.7% pays you to wait — Value
- Revenue growing 64.2% YoY -- genuine top-line momentum — Growth
- EPS growing 34.0% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 09, 2026
Overall Committee Score
71/100
Agreement
100%
Analysts
6
Conviction
Unanimous
Sector Rank
Top 7%
of 142 Financial Services peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.5 is inexpensive for the broad market
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 64.2% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
70
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 71.1 to 71.1.
Comparing 2026-08-08 to 2026-08-09 (1 day apart).
Technical Analysis
RSI (14)
43.4
Neutral
MACD Histogram
-0.037
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$24.27
Resistance
$26.30
Bollinger %B
0.35
Inside Bands
Price vs Moving Averages
EMA 9
$25.70
Below
EMA 21
$25.62
Below
EMA 50
$25.27
Above
EMA 200
$23.93
Above
Fundamental Analysis
Valuation
100
Growth
80
Profitability
67
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
12.1×
P/B Ratio
1.32×
PEG Ratio
0.35
Dividend Yield
2.51%
52W High
$26.56
52W Low
$19.80
Quality & Growth
ROE
1111.1%
ROA
117.2%
Gross Margin
7535.1%
Operating Margin
2989.4%
Revenue Growth YoY
—
Debt / Equity
0.47
AI Fundamental Assessment
P/E ratio of 12.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.1%; Return on assets of 1.2%; Net margin of 22.8%; Gross margin of 75.4%; Current ratio of 0.34 (tight short-term liquidity); Debt-to-equity of 0.47; Free cash flow per share is positive (3.48); Most recent quarter beat estimates by 2.6%; 4 consecutive earnings beats; EPS growth roughly steady (+1.9% -> +1.9% QoQ); Analyst estimates rising over recent quarters
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