Advertisement
FHN vs FNB
First Horizon (FHN) vs F.N.B. (FNB) Earnings Preview: Q1 Results in Focus
Key Takeaways
- First Horizon (FHN) reports Q1 2026 earnings on April 15, with consensus EPS of $0.49 and revenue of $869 million.
- F.N.B. (FNB) follows on April 16, expecting EPS of $0.38 and revenue of $454 million.
- Both regional banks showed strong Q4 2025 results: FHN EPS $0.52 (beat), FNB $0.50 (beat), with healthy net interest income (NII) growth.
- FHN's larger scale ($84B assets, $11.6B market cap) vs FNB ($50B assets, $6.3B market cap) highlights differing growth profiles.
- Key metrics to watch: NIM (FHN 3.5%, FNB 3.3%), CET1 ratios (FHN ~11%, FNB ~11%), and loan/deposit trends amid rate environment.
- Analysts favor stability in both, but FHN's mortgage lending exposure adds volatility.
Earnings Context and Why This Comparison Matters
Regional banks like First Horizon (FHN) and F.N.B. (FNB) operate in competitive Southeastern and Mid-Atlantic markets, offering commercial, consumer banking, and wealth services. Earnings reports provide insights into net interest margin (NIM, the difference between interest income and funding costs), loan growth, deposit stability, and credit quality amid shifting interest rates and economic conditions. FHN, headquartered in Memphis, Tennessee, emphasizes mortgage company lending, while Pittsburgh-based FNB focuses on diversified fee income and digital innovation. Comparing their Q1 2026 results highlights operational efficiencies, risk management, and growth potential in a normalizing rate cycle.
First Horizon Focus
First Horizon (FHN) will release Q1 2026 earnings on April 15 before market open, followed by a conference call at 9:30 AM ET. Analysts project EPS of $0.49 (up from $0.42 year-ago) on revenue of approximately $869 million, reflecting 6-7% top-line growth. Key drivers include sustained NIM around 3.5%, supported by deposit cost declines and loans to mortgage companies. In Q4 2025, FHN delivered EPS of $0.52 (beating $0.46 consensus), NII of $676 million (up 7% YoY), and ROTCE (return on tangible common equity) of 15%. With $84 billion in assets, $67 billion deposits, and CET1 (common equity tier 1, a key capital strength measure) near 11%, FHN maintains a solid balance sheet. Investors eye loan growth and credit provisions amid commercial real estate exposure.
F.N.B. Context
F.N.B. (FNB) reports Q1 2026 results after market close on April 16, with a call on April 17 at 8:30 AM ET. Consensus calls for EPS of $0.38 on $454 million revenue. Q4 2025 featured operating EPS of $0.50 (beating $0.41), record NII of $365 million (up 13% YoY), and NIM of 3.3%. Total assets hit $50 billion, deposits $38 billion (loan-to-deposit 89%), CET1 ~11%, and ROTCE 16%. FNB's fee-based revenue (wealth management, service charges) grew robustly, bolstered by tech investments and market share gains. Recent auto loan sales optimized yields, positioning for growth. Upcoming results will test deposit stability and expense control.
Head-to-Head Earnings and Market Comparison
FHN edges in scale (assets $84B vs $50B; market cap $11.6B vs $6.3B) and NIM (3.5% vs 3.3%), driving higher absolute earnings power—TTM EPS $1.89 vs FNB's $1.56. Both beat Q4 estimates, with FNB showing superior ROTCE (16% vs 15%) and deposit beta management. Growth drivers: FHN's specialty lending vs FNB's diversified non-interest income (up 9% linked-quarter). Risks include FHN's mortgage sensitivity and shared CRE (commercial real estate) exposure, though provisions remain conservative (NCO, net charge-offs, low). Sentiment leans positive: FHN targets $26 (Hold/Buy mix), FNB $20 (Buy). Stability favors FNB's lower volatility; FHN offers upside from asset repricing.
AI Screener
Tickeron’s AI Screener is an AI-powered stock and ETF discovery tool that helps traders and investors filter the market based on technical patterns, fundamentals, trends, volatility, and AI-driven signals. Users can scan thousands of stocks and ETFs using customizable filters such as industry, market capitalization, technical indicators, price patterns, and performance metrics. The screener identifies trade ideas, trending stocks, breakout candidates, and market opportunities more efficiently than manual screening. Explore it today to enhance your research process.
Tickeron AI Verdict
Tickeron AI currently favors FHN (60% probability) for superior earnings quality, larger scale, and NIM expansion potential, though FNB's stability and ROTCE edge make it a close contender in risk-adjusted positioning.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FHN is a Buy and FNB is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FHN’s FA Score shows that 1 FA rating(s) are green whileFNB’s FA Score has 1 green FA rating(s).
- FHN’s FA Score: 1 green, 4 red.
- FNB’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FHN’s TA Score shows that 5 TA indicator(s) are bullish while FNB’s TA Score has 5 bullish TA indicator(s).
- FHN’s TA Score: 5 bullish, 2 bearish.
- FNB’s TA Score: 5 bullish, 4 bearish.
Price Growth
FHN (@Regional Banks) experienced а +0.32% price change this week, while FNB (@Regional Banks) price change was +2.01% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
FHN is expected to report earnings on Jul 15, 2026.
FNB is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FHN | FNB | FHN / FNB | |
| Capitalization | 11.8B | 6.67B | 177% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 5.326 | 11.256 | 47% |
| P/E Ratio | 12.47 | 11.33 | 110% |
| Revenue | 3.37B | 1.8B | 187% |
| Total Cash | 889M | 452M | 197% |
| Total Debt | 3.29B | 3.14B | 105% |
FHN | FNB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 23 | 28 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 43 Fair valued | 44 Fair valued | |
PROFIT vs RISK RATING 1..100 | 62 | 36 | |
SMR RATING 1..100 | 14 | 20 | |
PRICE GROWTH RATING 1..100 | 47 | 46 | |
P/E GROWTH RATING 1..100 | 62 | 50 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FHN's Valuation (43) in the Regional Banks industry is in the same range as FNB (44). This means that FHN’s stock grew similarly to FNB’s over the last 12 months.
FNB's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as FHN (62). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
FHN's SMR Rating (14) in the Regional Banks industry is in the same range as FNB (20). This means that FHN’s stock grew similarly to FNB’s over the last 12 months.
FNB's Price Growth Rating (46) in the Regional Banks industry is in the same range as FHN (47). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
FNB's P/E Growth Rating (50) in the Regional Banks industry is in the same range as FHN (62). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
| FHN | FNB | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 70% |
| Stochastic ODDS (%) | 2 days ago 54% | 2 days ago 60% |
| Momentum ODDS (%) | 2 days ago 51% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 47% |
| TrendWeek ODDS (%) | 2 days ago 51% | 2 days ago 61% |
| TrendMonth ODDS (%) | 2 days ago 53% | 2 days ago 51% |
| Advances ODDS (%) | 12 days ago 57% | 2 days ago 55% |
| Declines ODDS (%) | N/A | 23 days ago 57% |
| BollingerBands ODDS (%) | 2 days ago 56% | 2 days ago 66% |
| Aroon ODDS (%) | 2 days ago 49% | 2 days ago 43% |
Advertisement
| 1 Day | |||
|---|---|---|---|
| CRYPTO / NAME | Price $ | Chg $ | Chg % |
| FARM.X | 5.585371 | 0.144026 | +2.65% |
| Harvest Finance cryptocurrency | |||
| DODO.X | 0.015943 | -0.000441 | -2.69% |
| DODO cryptocurrency | |||
| PYTH.X | 0.035104 | -0.001455 | -3.98% |
| Pyth Network cryptocurrency | |||
| DUSK.X | 0.080654 | -0.003432 | -4.08% |
| Dusk cryptocurrency | |||
| KEEP.X | 0.030273 | -0.014267 | -32.03% |
| Keep Network cryptocurrency | |||
FHN and
Correlation & Price change
A.I.dvisor indicates that over the last year, FHN has been closely correlated with HWC. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if FHN jumps, then HWC could also see price increases.