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Dec 31, 2025
First Horizon Q4 2025 Earnings Report
First Horizon reported strong Q4 results with stable earnings and increased loan growth.
Key Takeaways
First Horizon posted solid Q4 2025 performance, with net income of $266 million and EPS of $0.52. The bank reported improved loan and deposit growth, while maintaining a strong efficiency ratio and net interest margin. Share repurchases reduced CET1 slightly.
Net income reached $266 million for the quarter.
Earnings per share (EPS) was $0.52, with adjusted EPS also at $0.52.
Loan balances increased to $64.2 billion, with growth in mortgage and C&I lending.
CET1 ratio declined to 10.6% due to $335 million in share repurchases.
Forward Guidance
Management expects modest balance sheet growth and positive operating leverage in 2026, with stable expenses and strong credit performance.
Positive Outlook
- Mid-single digit balance sheet growth expected.
- Flat adjusted expenses projected year-over-year.
- Net charge-offs expected between 0.15%–0.25%.
- Strong credit quality maintained.
- Target CET1 ratio range remains between 10.5% and 10.75%.
Challenges Ahead
- Loan yield pressure expected from continued repricing.
- NIM could be impacted by anticipated rate cuts in 2026.
- Deferred compensation variability may impact reported income and expense.
- Operating leverage may be sensitive to lower revenue scenarios.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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