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First Horizon
First Horizon (FHN) investor relations material
First Horizon Bank of America Financial Services Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Bank of America Financial Services Conference 2026 summary11 Feb, 2026
Strategic progress and growth outlook
Successfully integrated IBERIABANK during the pandemic and refocused on organic growth after the TD merger agreement ended.
Developed a concise execution plan from a larger strategy document to drive shareholder and customer value.
Targeting growth in key Southeast MSAs, with branch expansion in the Carolinas, Texas, Tennessee, and Florida.
Emphasizing a consumer-driven model with increased branch density and a focus on commercial middle-market banking and specialty businesses.
Anticipates strong organic growth opportunities in the South over the next 10-15 years.
Loan growth, revenue, and business drivers
Commercial lending showed strong performance in late 2024 and 2025, with robust pipelines into 2026.
Loan growth expected in mid-single digits, led by commercial and industrial lending; commercial real estate lending to remain flat or slightly down.
Bonus depreciation from recent legislation spurred equipment leasing activity in 2025.
Revenue growth outlook of 3%-7% for the year, with higher loan growth and a rebound in countercyclical businesses needed to reach the upper end.
Mortgage warehouse business capacity increased, gaining market share as peers exited; poised for growth if rates fall below 6%.
Margin, deposits, and capital management
Net interest margin expected to peak in the current year, with modest compression due to funding lags and deposit pricing competition.
Deposit environment in the Southeast is highly competitive, with ongoing efforts to grow core deposits through branch expansion and service differentiation.
Exploring digital assets and stablecoin tools, with ongoing industry and regulatory discussions.
Maintaining flat expenses through disciplined investment, technology upgrades, and cost savings reinvestment.
Plans to open 10-20 branches annually, though real estate and construction delays persist.
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Next First Horizon earnings date
Q1 202615 Apr, 2026
First Horizon
Next First Horizon earnings date
Q1 202615 Apr, 2026
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Frequently asked questions
Southeastern Regional Bank
First Horizon Corporation is an American financial services company. It operates primarily through its subsidiary, First Horizon Bank, offering a comprehensive range of banking and financial products and services. These include consumer and commercial banking, wealth management, and capital market services, catering to individual, business, and institutional clients. The company is well known for its deep regional roots and has a strong presence in the Southeastern US. It is headquartered in Memphis, Tennessee, and its shares are listed on the NYSE.
Memphis Made
First Horizon Bank, founded in 1864 as First National Bank of Memphis, is one of the oldest financial institutions in the United States. The company was founded while Memphis was under martial law by the Union Army during the Civil War. Initially serving the Memphis region, the bank played a significant role in the city's economic development. The company slowly but surely became well-established in both Memphis and Tennessee during the 1900s, and eventually shifted its name to First Horizon National Corporation in 2004. In 2020, the company merged with Iberiabank, with the resulting entity keeping the First Horizon name.
Diverse Financial Services
First Horizon offers a diverse range of banking and financial services for individual consumers, businesses, and institutions. For individuals, First Horizon provides personal banking options like checking and savings accounts, credit cards, and mortgage services. Investment and wealth management services are also available for clients seeking to grow and manage their assets. Business and commercial clients can access a suite of services including business loans, treasury management, and capital market services. Additionally, First Horizon offers specialized banking solutions for sectors such as healthcare and real estate. Their services are designed to support financial management, growth, and investment across various customer segments.
Southeastern Focus
The company primarily operates in the Southern United States, with a significant presence in Tennessee, its home state. The company's regional focus extends to neighboring states, offering banking and financial services tailored to the needs of this specific geographic area. This regional concentration allows First Horizon to specialize in local market dynamics and customer needs, providing services that are relevant to the communities they serve, while also maintaining a network of branches and ATMs for convenient customer access. This regional focus is nothing unique in the US’s competitive banking landscape and some similar institutions to First Horizon include M&T Bank and Comerica.
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