First Horizon Corporation (FHN) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, First Horizon Corporation (NYSE: FHN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $23.64 (+1.59% 1D, market cap $11.02B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FHN ranks #449 in composite RQD confidence.
Within the Financials sector (Major Banks), FHN carries a Roarable D+ (58/100 RQD), trailing P/E of 11.4x, gross margin of —, and ROIC of 3.1%. By comparison, ALLY (Ally Financial Inc.) holds a D+ grade (58/100 RQD, P/E 14.2x, ROIC 4.1%, cap $11.61B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, FHN leads on earnings multiple (11.4x) while ALLY leads on capital efficiency (4.1% ROIC).
Per FHN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000036966), First Horizon Corporation generated $3.42B in revenue (+7.2% YoY), $982.0M in net income, and $595.0M in free cash flow against $83.88B in total assets and $33.63B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
Capital intensity & 33.9% operating margin leave 12 pts on the table
Even with a 58/100 (D+) score, FHN faces multiple-compression risk if 11.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($23.64) or 200D SMA ($24.29) invalidates the momentum regime and cuts Target Base ($23.64) toward Bear Floor ($18.44).
First Horizon Corporation (FHN) advanced +1.59% to $23.64, trading at 53% of its 52-week range ($20.4 – $26.56). Stretched risk/reward at 11x P/E (3% return on capital) under elevated 10-year interest-rate pressure.
Yahoo Finance report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
TradingView report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Social Security’s looming funding crunch is not just a policy story. It has real potential to reshape who spends, who saves and where capital flows as long-term interest rates respond to reform delays and heavier governm
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FHN today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FHN. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, First Horizon Corporation (FHN) ranks #449 by composite RQD confidence (58/100, grade D+) and #175 by equity capitalization ($11.02B). Within this direct 5-issuer industry benchmark cohort, FHN leads on earnings valuation at 11.4x trailing P/E, while ALLY leads on capital efficiency and profitability with 4.1% ROIC and — gross margin. WTFC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with FHN at 58/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FHN
ACTIVE
First Horizon Corporation | D+ | 58/100 | 11.4x | — | 3.1% | +1.59% | $11.02B | Benchmark Subject |
| ALLY Ally Financial Inc. | D+ | 58/100 | 14.2x | — | 4.1% | +1.15% | $11.61B | /ally-vs-fhn → |
| WTFC Wintrust Financial Corporation | B- | 70/100 | 12.6x | — | 3.1% | +3.29% | $10.28B | /wtfc-vs-fhn → |
| UMBF UMB Financial Corporation | C+ | 67/100 | 14.7x | — | 2.5% | +2.22% | $10.21B | /umbf-vs-fhn → |
| SSB SouthState Bank Corporation | C- | 60/100 | 12.9x | — | 3.0% | +1.75% | $10.20B | /ssb-vs-fhn → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Horizon Corporation (FHN) reported GAAP revenue of $3.42B (+7.2% vs. FY2024 revenue of $3.19B , and -1.4% cumulative change since FY2023) , GAAP net income of $982.0M, operating cash flow of $628.0M, and free cash flow of $595.0M (-51.4% YoY). On the balance sheet, FHN closed FY2025 with $83.88B in total assets against $33.63B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $3.42B | $982.0M | $628.0M | $595.0M | $83.88B | $33.63B |
| FY2024 (FY) | 2024-12-31 | $3.19B | $775.0M | $1.27B | $1.22B | $82.15B | $32.87B |
| FY2023 (FY) | 2023-12-31 | $3.47B | $897.0M | $1.30B | $1.14B | $6.17B | $1.44B |
As of 2026-11-03, First Horizon Corporation (NYSE: FHN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $23.64 (+1.59% 1D, market cap $11.02B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FHN ranks #449 in composite RQD confidence.
Within the Financials sector (Major Banks), FHN carries a Roarable D+ (58/100 RQD), trailing P/E of 11.4x, gross margin of —, and ROIC of 3.1%. By comparison, ALLY (Ally Financial Inc.) holds a D+ grade (58/100 RQD, P/E 14.2x, ROIC 4.1%, cap $11.61B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, FHN leads on earnings multiple (11.4x) while ALLY leads on capital efficiency (4.1% ROIC).
Per FHN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000036966), First Horizon Corporation generated $3.42B in revenue (+7.2% YoY), $982.0M in net income, and $595.0M in free cash flow against $83.88B in total assets and $33.63B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
FHN last traded at $23.64 (+1.59% on volume of 6,723,379 shares), positioning the stock 0.00% above its 50-day simple moving average ($23.64) and -2.68% below its 200-day simple moving average ($24.29). Across its 52-week range of $20.40 to $26.56, FHN sits at the 52.6% percentile with a 14-day RSI of 47.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($22.65 to $24.63).
First Horizon Corporation (FHN) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $23.64 (+1.59% 1D, market capitalization $11.02B).
First Horizon Corporation (FHN) is a NYSE-listed issuer classified in the Financials sector and the Major Banks industry. —: specific product lines, customer segments, and revenue-generation mechanics beyond the sector and industry classification.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Horizon Corporation (FHN) reported $3.42B in annual revenue (up from $3.19B in FY2024, +7.2% YoY) and $982.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($3.47B revenue, $897.0M net income) through FY2025, FHN scaled operating cash flow to $628.0M and free cash flow to $595.0M, backed by $83.88B in total assets against $33.63B in total debt.
Upstream and downstream dependencies: — Sector correlations beyond the Financials / Major Banks classification: — Second-order bottlenecks: — The rating's macro-regime pillar (beta 1, sector sensitivity) is the only available indicator of how FHN may transmit or absorb sector-level shocks.
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Yahoo Finance report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
TradingView report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering First Horizon Corporation (FHN) market action, institutional positioning, and fundamental catalysts.
The street is overcomplicating First Horizon Corporation (FHN). Insider conviction (17 / 20) and a sound forensic balance sheet (Altman Z 2.5, Piotroski F 7/9) support the case for FHN despite a neutral composite rating.. With an RQD score of 58/100 (D+) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $25.13.
@MeanReversion_88 Shorting a 9/20 institutional whale-flow stock at $23.27 is dangerous when funds are rotating into Financials.
I respect the product at First Horizon Corporation, but the stock at $23.27 is a different story. ROIC of 3.1% and an EV/EBITDA of 26.5 signal weak capital efficiency and an elevated valuation on enterprise-value terms.. FCF yield is 5.31% and RQD sits at 58/100 (D+) — why pay up here when you can wait for next quarter's numbers?
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