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AI brief of an SEC Form 8-K · First Horizon (FHN)

First Horizon full-year 2025 EPS rose 38% to $1.87; fourth-quarter EPS $0.52

Positive Impact 3 of 5 earnings Written later

First Horizon reported full-year 2025 net income available to common shareholders of $956 million, or $1.87 per share, up from $1.36 in 2024, and fourth-quarter EPS of $0.52, up from $0.30 a year earlier. Quarter-over-quarter, fourth-quarter net income available to common shareholders rose 1% from the third quarter, and adjusted results were $259 million, or $0.52 per share, versus $263 million, or $0.51, in the third quarter. Shareholders benefit from strong full-year earnings growth and $894 million returned through share repurchases in 2025, while the company reported a lower CET1 ratio of 10.64%.

Key points

  • Full-year 2025 net income available to common shareholders was $956 million, or $1.87 per share, up 29% in dollars and 38% per share from 2024.
  • Fourth-quarter 2025 net income available to common shareholders was $257 million, or $0.52 per share, compared with $254 million, or $0.50, in third-quarter 2025.
  • Full-year net interest margin improved to 3.47%, up 12 basis points, and the CET1 ratio fell to 10.64% from 11.20% at year-end 2024.
  • Share repurchases returned $894 million to shareholders in 2025 at an average price of $21.16 per share.

The filing

CompanyFirst Horizon (FHN)
Form8-K, current report
Filed with the SECJan 15, 2026, 6:34 AM ET
Accession number0000036966-26-000012

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:56 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 15, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.