B+
Bull case
25%
Probability
Target price
$30.00
+16.3% vs current
FHN
First HorizonCNYSE / Banks
Last Price
At close
2026-07-18
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+1Most likely
B
Base case
50%
Probability
Target price
$27.50
+6.6% vs current
B-
Bear case
25%
Probability
Target price
$22.00
-14.7% vs current
AI sentiment snapshot
Latest data as of 2026-07-16
Recent news sentiment (30D)
+20.5
Positive
Company
-
Unavailable
Macro
+21.6
Positive
Pulse
-30.0
Negative
Sentiment proxy
+49.6
Score
AI commentary
Constructive but cautious post-earnings tone: the company reported a modest EPS beat and strong returns, while NIM and expense trends were mixed. Social coverage, post-release price reaction, options data, short interest, and analyst revisions are unavailable, so the evidence supports monitoring rather than a high-conviction upgrade.
RankAlpha Sentiment Codex - 2026-07-16
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-15eventQ2 2026 earnings beat with strong returnsMedium impact
First Horizon reported Q2 net income available to common shareholders of $260 million and EPS of $0.54, versus $0.53 in Q1 and $0.45 a year earlier; EPS also exceeded the pre-release Zacks consensus of $0.52. ROTCE reached 15.2% [#SEC-8K-2026-07-15] [#PR-EARNINGS-2026-07-10].
2026-07-20catalystLoan growth lifts NII, but funding costs cap upsideMedium impact
Q2 NII increased to $679 million, primarily from loan portfolio growth, while NIM declined three basis points to 3.49% because of higher deposit costs tied to increased brokered deposits. The near-term signal is supportive but mixed [#SEC-8K-2026-07-15].
2026-10-15catalystSustained growth and returns remain the medium-term proof pointMedium impact
Management cited 3% year-over-year loan growth and 16% first-half 2026 NIAC growth versus the first half of 2025. Durable upside depends on sustaining relationship-driven growth and roughly 15%+ ROTCE without renewed funding-cost pressure [#SEC-8K-2026-07-15] [#8-K-2026-04-15].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-16 • Updated nightlySource: Internal modelMethodology