First Horizon Corporation reported fourth‑quarter 2025 results on January 15 2026, posting net income of $257 million and earnings per share of $0.52. The quarter’s earnings grew 1 % from the $254 million, $0.50 per share reported in the third quarter, reflecting steady profitability as the bank’s loan and deposit mix remained stable.
Full‑year 2025 figures were equally strong, with net income of $956 million and EPS of $1.87, a 38 % increase from the $738 million, $1.36 per share reported in 2024. The year‑over‑year growth was driven by a 3.5 % rise in net interest income and a 2 % increase in fee income, offsetting a modest 1 % rise in operating expenses.
Revenue for the quarter reached $888 million, beating the consensus estimate of $862 million by roughly 3 %. The beat was largely due to higher loan growth in the consumer and commercial segments, coupled with a 1.5 % increase in net interest margin to 3.512 %. EPS also surpassed the $0.46–$0.47 estimate by $0.05–$0.06, a 10–13 % lift, thanks to the revenue upside and disciplined cost management that kept operating expenses in line with revenue growth.
The bank’s balance sheet remained robust, with a Common Equity Tier 1 ratio of 10.64 % at quarter‑end. First Horizon completed a $335 million share‑repurchase program in Q4, bringing total repurchases for 2025 to $894 million, underscoring management’s confidence in the company’s cash‑generating ability. Net interest margin expansion and a low charge‑off ratio of 19 basis points further illustrate the bank’s strong credit performance and risk discipline.
CEO Bryan Jordan highlighted the results as evidence of “consistent execution of our strategy across the organization.” He noted that disciplined risk management, a resilient balance sheet, and robust market conditions have positioned the bank for continued growth. CFO Hope Dmuchowski added that the bank’s net interest margin of 3.512 % and loan growth of 2 % support the company’s outlook for sustained profitability.
Investors reacted positively to the earnings beat, with analysts emphasizing the bank’s ability to exceed consensus estimates for both revenue and EPS. The results reinforce First Horizon’s trajectory of solid earnings growth and a strong capital position, providing confidence in its ongoing strategy and execution.
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