First Horizon Corporation (FHN) is a financial holding company headquartered in Memphis, Tennessee. It provides a wide range of banking and financial services through its principal subsidiary, First Horizon Bank, and operates across multiple segments. FHN specializes in traditional banking, wealth management, and capital markets services, catering to both individual and institutional clients primarily in the southern U.S. and selected markets.
-
Commercial, Consumer & Wealth - Offers traditional lending and deposit-taking services, along with specialized financial solutions such as asset-based lending, commercial real estate, equipment finance, and international banking. Provides investment, wealth management, financial planning, trust, and asset management services, as well as treasury management and corporate banking solutions.
-
Wholesale - Focuses on mortgage warehouse lending, franchise finance, and correspondent banking. Engages in fixed income securities sales, trading, underwriting, and institutional strategies, along with loan sales, portfolio advisory services, and derivative sales.
-
Corporate - Manages centralized capital and funding activities, including balance sheet funding and liquidity. Oversees corporate support functions such as risk management, audit, accounting, and finance, as well as revenue and expenses from run-off businesses like pre-2009 mortgage banking elements.
You might also like
| Name | Position | External Roles | Short Bio | |
|---|---|---|---|---|
D. Bryan Jordan ExecutiveBoard | President and Chief Executive Officer | D. Bryan Jordan has served as the President and Chief Executive Officer of First Horizon Corporation since 2008 and resumed his role as Chairman of the Board in 2022, after previously holding that position from 2012 to 2020. Prior to these roles, he served as Executive Vice President and Chief Financial Officer at FHN from 2007 to 2008, and held financial leadership roles at Regions Financial Corp. | View Report → | |
Anthony J. Restel Executive | Senior Executive Vice President—Chief Banking Officer | Anthony J. Restel is currently Senior Executive Vice President—Chief Banking Officer at FHN since 2024. Previously, he served as President—Regional Banking from 2021 to 2024 and as Senior Executive Vice President—Chief Operating Officer from 2020 to 2021. | ||
Ashley W. Argo Executive | Senior Executive Vice President and Chief Risk Officer | Ashley W. Argo is currently the Senior Executive Vice President and Chief Risk Officer at FHN since January 2025. She has been with the company since 2004 and previously served as Deputy Chief Risk Officer in 2024 and Director of Credit and Financial Risk from 2020 to 2024. | ||
David T. Popwell Executive | Senior Executive Vice President—Senior Strategic Executive | David T. Popwell currently serves as Senior Executive Vice President—Senior Strategic Executive at FHN since 2024, having previously led specialty banking as President from 2020 until September 2024. He has an extensive banking background with prior roles including President—Regional Banking at FHN and President of SunTrust Bank—Memphis. | ||
Elizabeth A. Ardoin Executive | Senior Executive Vice President—Chief Communications Officer | Elizabeth A. Ardoin is the Senior Executive Vice President—Chief Communications Officer at First Horizon since 2020 following the merger; she previously served as Senior Executive Vice President and Director of Communications from 2002 to 2020. | ||
Hope Dmuchowski Executive | Senior Executive Vice President and Chief Financial Officer | Hope Dmuchowski is the Senior Executive Vice President and Chief Financial Officer at First Horizon Corporation since November 2021. She previously held significant roles at Truist Financial Corp and BB&T Corp. | ||
Jeff L. Fleming Executive | Executive Vice President and Chief Accounting Officer | Jeff L. Fleming currently serves as the Executive Vice President and Chief Accounting Officer (principal accounting officer) at FHN. The documents do not provide further details on his previous roles, career history, or the specific date he assumed this current position. | ||
T. Lang Wiseman Executive | Senior Executive Vice President and General Counsel | T. Lang Wiseman is Senior Executive Vice President and General Counsel at FHN since January 2025. He previously served as Executive Vice President – Deputy General Counsel in 2024 and has extensive legal and governmental experience. | ||
Tammy S. LoCascio Executive | Senior Executive Vice President—Chief Operating Officer | Tammy S. LoCascio is the Senior Executive Vice President—Chief Operating Officer at FHN since 2021, having previously served as Executive Vice President—Consumer Banking from 2017 to 2020 and as Senior Executive Vice President—Chief Human Resources Officer from 2020 to 2021. | ||
Tanya L. Hart Executive | Senior Executive Vice President—Chief Human Resources Officer | Tanya L. Hart is the Senior Executive Vice President and Chief Human Resources Officer at FHN since October 2024, previously serving as Executive Vice President and CHRO from November 2021. | ||
Thomas Hung Executive | Senior Executive Vice President – Chief Credit Officer | Thomas Hung is the Senior Executive Vice President – Chief Credit Officer at FHN, a position he assumed in October 2024. He joined FHN in 2019 and has held several pivotal executive roles, including Executive Vice President – Deputy Chief Credit Officer, contributing over two decades of financial services expertise to the company. | ||
Cecelia D. Stewart Board | Independent Director | Board Director of United States Cellular Corporation since 2013 | Cecelia D. Stewart has an extensive background in banking and financial services, having served in executive roles at Wachovia Bank N.A., Morgan Stanley Private Bank N.A., and Citigroup until her retirement in 2014, and has been an independent director at FHN since 2014. | |
Colin V. Reed Board | Lead Director | Executive Chairman of Ryman Hospitality Properties, Inc. | Colin V. Reed has extensive leadership experience at public companies and has served as an independent director at FHN since 2006, currently acting as Lead Director. Prior to his role at FHN, he held executive positions at Ryman Hospitality Properties, including serving as Executive Chairman since the end of 2022. | |
J. Michael Kemp Board | Director | Founder and Chief Executive Officer of Kemp Management Solutions | J. Michael Kemp, Sr. has served as a Director at First Horizon since 2020, following his role as a director at IBERIABANK Corporation in 2019. He is also the Founder and Chief Executive Officer of Kemp Management Solutions since January 2011. | |
Jeffrey J. Brown Board | Independent Director | President of Hendrick Automotive Group, LLC | Jeffrey J. Brown is an independent director at First Horizon Corporation since January 27, 2025. He previously served as CEO of Ally Financial Inc. until January 2024 and is currently the President of Hendrick Automotive Group, LLC. | |
John C. Compton Board | Independent Director | Partner at Clayton, Dubilier & Rice; Non-profit board service | John C. Compton serves as an independent director at FHN since 2011 and brings extensive leadership experience from roles such as Partner at Clayton, Dubilier & Rice and former CEO of Pilot Flying J. | |
John W. Dietrich Board | Independent Director | AAR Corporation (2023-present) | John W. Dietrich is currently an independent director at First Horizon Corporation (FHN) since 2024, serving on the Compensation Committee and the Nominating and Corporate Governance Committee. Previously, he held executive roles including CFO at FedEx Corporation and served as CEO at Atlas Air Worldwide Holdings, Inc.. | |
R. Eugene Taylor Board | Director | Director at Sonic Automotive, Inc. | R. Eugene Taylor has served as a Director at FHN since 2017 after serving as Vice Chairman from 2017 to 2020. He has an extensive background in banking, including roles as CEO and Chairman at Capital Bank Financial Corp. from 2009 to 2017 and various leadership positions during his 38-year tenure at Bank of America. | |
Rick E. Maples Board | Director | Rick E. Maples serves as a Director at First Horizon Corporation since 2020 and is a member of the board of directors. Previously, he was the Retired Co-Head of Investment Banking at Stifel, Nicolaus and Company. | ||
Velia Carboni Board | Director | Chief Information Officer at SharkNinja, Inc. | Velia Carboni is an experienced digital innovation leader with over 20 years of experience from roles at Fidelity Investments and VF Corporation, and she currently serves as an independent director at FHN, joining the board effective February 20, 2025. | |
Vicki R. Palmer Board | Director | Audit Committee Chair at Haverty Furniture Companies Inc.; President of The Palmer Group, LLC | Vicki R. Palmer serves as a Director and Audit Committee Chair at FHN, recognized as an audit committee financial expert with a long career in finance including senior roles at Coca-Cola Enterprises and Federal Express Corporation. | |
Wendy P. Davidson Board | Independent Director | CEO of The Hain Celestial Group, Inc. | Wendy P. Davidson has served as an independent director at FHN since 2019 and is a member of the Audit Committee. She is also the CEO of The Hain Celestial Group, Inc. since January 1, 2023. |
- Given your PPNR guidance is predicated on three rate cuts and low single-digit loan growth, how does management plan to adjust if rate cuts do not materialize and loan growth remains subdued?
- With the ongoing share repurchases and a near-term CET1 target of 11%, what is your strategy if continued market volatility forces you to revisit your capital allocation or lower the CET1 target further?
- As you increased your reserves amid heightened uncertainty, what specific measures are in place to mitigate potential credit losses if macroeconomic conditions worsen beyond current expectations?
- Considering the significant technology project expenses that recently tapered down, how do you expect future technology and outside service costs to evolve, particularly if new client acquisition campaigns intensify?
- Amid competitive pressures in CRE lending and tariff-induced supply shocks affecting raw material costs, what detailed strategies are you implementing to manage CRE portfolio risks and sustain growth in that segment?
Research analysts who have asked questions during FIRST HORIZON earnings calls.
Christopher Marinac
Janney Montgomery Scott LLC
5 questions for FHN
Jon Arfstrom
RBC Capital Markets
5 questions for FHN
Michael Rose
Raymond James Financial, Inc.
5 questions for FHN
Anthony Elian
JPMorgan
4 questions for FHN
Ebrahim Poonawala
Bank of America Securities
4 questions for FHN
Christopher McGratty
Keefe, Bruyette & Woods
3 questions for FHN
Jared David Shaw
Barclays Capital
3 questions for FHN
Nicholas Holowko
UBS Group AG
3 questions for FHN
Timur Braziler
Wells Fargo
3 questions for FHN
Andrew Steven Leischner
Keefe, Bruyette & Woods
2 questions for FHN
Brennan Crowley
Robert W. Baird & Co. Incorporated
2 questions for FHN
John McDonald
Truist Securities
2 questions for FHN
Jonathan Rau
Barclays
2 questions for FHN
Casey Haire
Jefferies
1 question for FHN
Eric
JMP Securities
1 question for FHN
Samuel Varga
UBS
1 question for FHN
Competitors mentioned in the company's latest 10K filing.
| Company | Description |
|---|---|
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. | |
Key traditional competitors in many of our markets include this bank, among many others including many community banks and credit unions. |
Recent press releases and 8-K filings for FHN.
- FHN reported diluted EPS of $0.50 and net income available to common shareholders of $254 million for Q3 2025. Adjusted diluted EPS was $0.51, an increase of $0.06 from Q2 2025.
- Total revenue reached $889 million. Net interest income (FTE) increased by $33 million to $678 million, and net interest margin expanded 15bps to 3.55% compared to Q2 2025.
- Adjusted fee income, excluding deferred compensation, grew by $26 million from Q2 2025, primarily due to a $15 million increase in fixed income and a $6 million increase in mortgage banking.
- Credit quality showed a provision credit of $5 million and net charge-offs of $26 million in Q3 2025. The CET1 ratio remained at 11.0%, and tangible book value per share increased to $13.94.
- The company is maintaining its existing 2025 guidance, with adjusted revenue (excluding deferred comp) expected to be flat to up 4% and net charge-offs projected between 0.15% and 0.25% for the full year.
- First Horizon reported adjusted earnings per share of $0.51 and an adjusted return on tangible common equity of 15% for Q3 2025.
- Net interest income grew by $33 million, and net interest margin expanded by 15 basis points to 3.55% in Q3 2025.
- Adjusted expenses increased by $45 million from the prior quarter, with full-year 2025 expenses now expected to be at the top end of the guidance range.
- The company repurchased $190 million of shares, with over $300 million remaining in its current buyback authorization, and ended Q3 2025 with a CET1 ratio of 11%.
- Management indicated a willingness to consider "fill-in opportunities" for M&A within its existing footprint in 2026 or beyond, while emphasizing that organic growth remains the near-term priority.
- First Horizon Corporation reported net income available to common shareholders of $254 million and diluted EPS of $0.50 for Q3 2025, an 11% increase in EPS from the prior quarter. Adjusted net income available to common shareholders was $263 million with an adjusted diluted EPS of $0.51, up 13% from Q2 2025.
- Total revenue increased by $60 million (7%) to $889 million in Q3 2025, with net interest income (FTE) rising $33 million to $678 million and noninterest income increasing $26 million to $215 million. The net interest margin expanded by 15 basis points to 3.55%.
- Average deposits grew by $1.2 billion to $65.9 billion, and average loan and lease balances increased by $236 million to $62.8 billion compared to the prior quarter. The company also executed $190 million in share repurchases.
- First Horizon Corporation reported net income available to common shareholders of $254 million for the third quarter of 2025, resulting in earnings per share of $0.50. This represents an increase from the second quarter 2025 net income of $233 million and earnings per share of $0.45.
- On an adjusted basis, third quarter 2025 net income available to common shareholders was $263 million, with adjusted earnings per share of $0.51, compared to $229 million and $0.45, respectively, in the second quarter 2025.
- As of September 30, 2025, First Horizon Corporation had $83.2 billion in assets.
- Chairman, President and CEO Bryan Jordan highlighted the company's strong credit quality and disciplined execution of its strategy.
- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) announced the closing of a new revolving credit facility.
- The facility provides up to $115 million in borrowing capacity, incorporating an initial commitment of $75 million and an additional $40 million accordion feature.
- This new agreement more than doubles the company's previous $50 million facility and carries a substantially lower interest rate compared to prior agreements, leading to immediate cost savings.
- The syndication was led by First Horizon Bank (NYSE: FHN) and includes participation from Flagstar Bank (NYSE: FLG) and Cadence Bank (NYSE: CADE).
- First Horizon Corporation's 2025 company-run capital stress test results, announced on July 30, 2025, indicate the company would maintain capital ratios well above regulatory minimums under hypothetical severe economic and business downturns.
- The company's minimum Common Equity Tier 1 Capital ratio was 9.7%, significantly exceeding the 4.5% regulatory minimum, and represents approximately $4 billion of additional pre-tax loss absorption capacity.
- First Horizon's loan portfolio stressed loss rate of 2.3% was substantially lower than the Federal Reserve-published median DFAST result of 6.1%.
- The results include a $0.15 quarterly common stock dividend throughout the nine-quarter scenario horizon.
- First Horizon is focused on integrating post-merger operations and improving cross-sells, aiming to add in excess of $100 million of pretax operating profit on its existing business over the next two to three years.
- The lending environment is stable with "very good" credit quality, and loan growth is currently a little over 1% for the quarter, aligning with their low single-digit loan growth guidance for the year. Credit losses are running in the mid to high teens.
- The company targets 15%+ Return on Tangible Common Equity (ROTCE) with CET1 levels between 10% and 10.5%, down from the current 11%, expecting to achieve these returns over the next two or three years.
- With assets just over $80 billion, First Horizon is optimistic that potential tailoring of bank regulation could allow continued organic growth without significant cost increases associated with crossing the $100 billion threshold.