For the quarter ended September 2025, First Horizon National (FHN) reported revenue of $893 million, up 7.9% over the same period last year. EPS came in at $0.51, compared to $0.42 in the year-ago quarter.
The reported revenue represents a surprise of +5.59% over the Zacks Consensus Estimate of $845.74 million. With the consensus EPS estimate being $0.45, the EPS surprise was +13.33%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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:
- Efficiency Ratio: 61.9% versus 59.4% estimated by four analysts on average.
- Net Interest Margin (FTE): 3.6% versus the four-analyst average estimate of 3.4%.
- Net charge-off ratio: 0.2% versus the three-analyst average estimate of 0.2%.
- Total nonperforming loans and leases: $605 million compared to the $603.83 million average estimate based on two analysts.
- Average Balance - Total interest earning assets: $76.03 billion versus the two-analyst average estimate of $76.29 billion.
- Total Non-Interest Income: $215 million compared to the $191.94 million average estimate based on four analysts.
- Net interest income (FTE): $678 million versus $657.64 million estimated by three analysts on average.
- Net Interest Income: $674 million versus $654.15 million estimated by three analysts on average.
View all Key Company Metrics for First Horizon here>>>
Shares of First Horizon have returned +3.4% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform 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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