RankAlpha logo
Back to Rankings

FHN

First HorizonB
NYSE / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
The mortgage sale closes as planned, supports the company's estimated 2027 EPS and ROTCE accretion, and frees capacity for profitable commercial lending. Morgan Stanley raised its target to $31 from $30 after Q3, while retaining Equal Weight.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.3.
What can break
CET1 of 10.3% leaves less room for aggressive buybacks if credit costs rise or redeployment consumes capital. Earnings presentation
Momentum
38
Value
58
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $24.50 · Bull $28.00 · Bear $19.50Analysis 2026-10-20; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-20 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $26.94
Why
Momentum38 · Δ7d +4.7
Value58 · Δ7d +0.3
Sentiment58 · Δ7d +1.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.3.

Contradictions & invalidation

  • • CET1 of 10.3% leaves less room for aggressive buybacks if credit costs rise or redeployment consumes capital. Earnings presentation
  • • Interest-bearing deposit costs rose 12 basis points quarter over quarter; net charge-offs increased to 0.22% of loans. Earnings presentation
  • • The Q3 GAAP loss of $94 million attributable to common shareholders and $0.69 decline in tangible book value per share show the upfront cost of repositioning.

Catalyst clock

2026-11-15

Mortgage portfolio sale settlement

Lead driver: Value · See fundamentals
Momentum
38
8% active weight
Current posture
7d trendImproving
Δ7d
+4.7
Δ21d
+4.6
Value
58
47% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+0.8
Sentiment
58
45% active weight
Current posture
7d trendImproving
Δ7d
+1.7
Δ21d
-25.3
Why this grade

Composite grade B. Momentum 38.3 / Value 58.4 / Sentiment 58.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-20. Scenario method

B+
Bull case
30%
Probability
Target price
$28.00
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$24.50
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$19.50
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$11.11B
Beta
0.64
Shares Out
473.78M
P/E (TTM)
14.9
P/S (TTM)
3.71
P/FCF (TTM)
336.06
Rev YoY
+0.7%
EPS YoY
+19.4%
Gross Margin
-
Op Margin
+27.4%
Net Debt
$3.98B
Current Ratio
0.23
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data