FHN Stock Analysis: Buy, Sell, or Hold?
FHN - First Horizon Corporation
$24.49
0.07 (0.29%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 15, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FHN shows positive signals but monitor for confirmation. Market pricing in 3.4% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FHN shows positive signals but monitor for confirmation. Market pricing in 3.4% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.79
Based on 7.0% avg growth
INTRINSIC VALUE TODAY
$23.47
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FHN is currently trading at $24.49, which is considered slightly high relative to its 30-day fair value range of $24.06 to $24.63. The stock's valuation (Forward PE: 10.5) is in line with its historical norms (11.6). Remarkably, the market is currently pricing in an annual earnings decline of 3.4% over the next few years. This pessimistic expectation contrasts with the company's recent 74.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FHN is in a strong uptrend. The price is approaching resistance at $25.21. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $27.32 (+11.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FHN is in a strong uptrend. The price is approaching resistance at $25.21. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $27.32 (+11.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$24.06 -
$24.63
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
62.9%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($27.32)
Fair Price Analysis
30-Day Fair Range
$24.06 -
$24.63
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$23.61
Resistance Level
$25.21
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.48
Wall Street Target
$27.32
(+11.9%)
Revenue Growth (YoY)
23.7%
Earnings Growth (YoY)
74.9%
Profit Margin
29.3%
Valuation Discount vs History
-3.4% cheaper
PE vs Historical
10.5 vs 11.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.4%
(market-implied from PE analysis)
1-Year Target
$23.59
(-3%)
2-Year Target
$22.79
(-7%)
3-Year Target
$22.01
(-10%)
3-Yr Target (if PE normalizes)
(PE: 10→12)
$24.37
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 9.9%)
$68.95
(+182%)
Base:
(SPY PE: 10.5, Growth: 9.9%)
$32.40
(+33%)
Bear:
(PE: 8.9, Growth: 9.9%)
$27.54
(+13%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.94 | Current EPS (TTM): $1.87
Bull Case
$33.18
(+36%)
Analyst growth 24.6%, PE expands to 14.2
Base Case
$30.16
(+23%)
Market implied 24.6%, PE stable at 12.9
Bear Case
$16.46
(-33%)
Severe decline -20.0%, PE contracts to 11.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.5 to 11.6
Stabilization Target:
$27.03
(+10.7%)
PE Expansion Potential:
+10.7%
Last updated: January 30, 2026 9:41 PM ET
Data refreshes hourly during market hours. Next update: 10:41 PM
Data refreshes hourly during market hours. Next update: 10:41 PM
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Technical Signals Check
Is FHN showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
David T Popwell
SELL
100000 shares
2025-08-22
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