For the quarter ended June 2025, First Horizon National (FHN) reported revenue of $834 million, up 2.3% over the same period last year. EPS came in at $0.45, compared to $0.36 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $826.62 million, representing a surprise of +0.89%. The company delivered an EPS surprise of +9.76%, with the consensus EPS estimate being $0.41.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how First Horizon performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin (FTE): 3.4% compared to the 3.4% average estimate based on four analysts.
- Efficiency Ratio: 59.2% versus 60.5% estimated by four analysts on average.
- Net charge-off ratio: 0.2% versus 0.2% estimated by three analysts on average.
- Average Balance - Total interest earning assets: $75.89 billion versus the three-analyst average estimate of $75.43 billion.
- Total nonperforming loans and leases: $593 million versus $627.23 million estimated by two analysts on average.
- Total Non-Interest Income: $189 million versus $189.18 million estimated by four analysts on average.
- Net Interest Income: $641 million compared to the $637.47 million average estimate based on four analysts.
- Net interest income (FTE): $645 million versus the three-analyst average estimate of $640.73 million.
- Service charges and fees: $55 million versus the two-analyst average estimate of $53.02 million.
- Other noninterest income: $16 million versus $18.45 million estimated by two analysts on average.
- Card and digital banking fees: $19 million compared to the $18.12 million average estimate based on two analysts.
- Mortgage banking: $10 million compared to the $9.62 million average estimate based on two analysts.
View all Key Company Metrics for First Horizon here>>>
Shares of First Horizon have returned +10.3% over the past month versus the Zacks S&P 500 composite's +4.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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First Horizon Corporation (FHN): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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