FHN Stock Analysis: Buy, Sell, or Hold?

FHN - First Horizon Corporation

NATIONAL COMMERCIAL BANKS
$23.11
0.13 (0.54%) ▲
5d: +2.46%
30d: -1.56%
90d: -3.33%
BUY
HIGH Confidence
Analysis Updated: Apr 2, 2026 12:00 AM ET
Earnings: Apr 15, 2026 12d

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
✅ BUY SIGNAL: FHN shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$35.28
Based on 6.9% avg growth
INTRINSIC VALUE TODAY
$21.91
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 10.8x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: FHN is currently trading at $23.11, which is considered fair relative to its 30-day fair value range of $22.00 to $23.76. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (10.8). Remarkably, the market is currently pricing in an annual earnings decline of 3.3% over the next few years. This pessimistic expectation contrasts with the company's recent 72.3% 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 $23.20. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: FHN has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $27.42 (+19.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.

Quick Decision Summary

Current Position FAIR
Fair Price Range $22.00 - $23.76
Company Quality Score 57/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 81.0%

All Signals

  • NEUTRAL: Price in fair range
  • BULLISH: Strong technical setup (60/100)
  • BULLISH: High volume confirmation
  • BULLISH: Trading below Wall St target ($27.42)

Fair Price Analysis

30-Day Fair Range $22.00 - $23.76
Current vs Fair Value FAIR

Support & Resistance Levels

Support Level $21.61
Resistance Level $23.20
Current Trend Strong Uptrend
Technical data as of Apr 2, 2026

Fundamental Context

Forward P/E (Next Year Est.) 9.81
Wall Street Target $27.42 (+19.3%)
Revenue Growth (YoY) 23.7%
Earnings Growth (YoY) 72.3%
Profit Margin 29.3%
Valuation Discount vs History -3.3% cheaper
PE vs Historical 9.8 vs 10.8 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): -3.3% (market-implied from PE analysis)
1-Year Target $22.22 (-3%)
2-Year Target $21.49 (-7%)
3-Year Target $20.78 (-10%)
3-Yr Target (if PE normalizes) (PE: 10→11) $22.88 (-1%)
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 22.4, Growth: 9.8%) $69.33 (+202%)
Base: (SPY PE: 9.8, Growth: 9.8%) $30.43 (+32%)
Bear: (PE: 8.3, Growth: 9.8%) $25.87 (+13%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.68 | Current EPS (TTM): $1.87
Bull Case $30.13 (+35%)
Analyst growth 25.4%, PE expands to 12.9
Base Case $27.39 (+22%)
Market implied 25.4%, PE stable at 11.7
Bear Case $14.86 (-34%)
Severe decline -20.0%, PE contracts to 9.9
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 9.8 to 10.8
Stabilization Target: $25.30 (+10.1%)
PE Expansion Potential: +10.1%
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Last updated: April 02, 2026 3:47 PM ET
Data refreshes hourly during market hours. Next update: 4:47 PM
🔥 Top Stocks Breaking Out Now
Ticker Score Recommendation Change %
Technical Signals Check
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Anthony J Restel SELL 5719 shares 2026-01-29
Jeff L Fleming SELL 7619 shares 2025-11-12
David T Popwell SELL 155149 shares 2025-11-04

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