First Horizon Corporation reported a strong full-year 2025 with significant net income and EPS growth, driven by revenue strength and improved credit performance. The fourth quarter also showed solid results, closing out a successful year.
Full Year 2025 Net Income Available to Common Shareholders (NIAC) increased 29% to $956 million.
positiveFull Year 2025 EPS increased 38% to $1.87 compared to $1.36 in 2024.
positiveFull Year 2025 total revenue increased 7% to $3.42 billion.
positiveFull Year 2025 net interest income increased 4% to $2.62 billion, driven by lower deposit pricing and higher loan balances.
positiveFull Year 2025 provision for credit losses decreased 57% to $65 million.
positiveFourth Quarter 2025 Net Income Available to Common Shareholders grew 1% to $257 million.
positiveFourth Quarter 2025 EPS was $0.52, up 4% from $0.50 in the prior quarter.
positiveFull Year 2025 effective tax rate increased to 22.1% from 21.0% in 2024.
attentionCapital ratios (CET1, Tier 1, Total Capital) decreased year-over-year.
attentionNet interest margin decreased 4 basis points in the fourth quarter compared to the third quarter.
attentionNet charge-off ratio increased slightly in the fourth quarter to 0.19% from 0.17% in the prior quarter.
attentionMargin metrics will be available once backend extracts data from insights_json
| Segment | Current | Prior Yr | YoY | % Total |
|---|---|---|---|---|
Commercial, Consumer, and Wealth | N/A | — | — | — |
Wholesale | N/A | — | — | — |
Corporate | N/A | — | — | — |
| Total Revenue | $0.00M | — | — | 100.0% |
Segment performance shows business unit health and growth drivers.
Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.
Consistent execution of strategy has driven tremendous earnings growth throughout the year.
Focus remains on deepening client relationships, maximizing revenue opportunities, and enhancing products and capabilities.
Disciplined risk management, resilient balance sheet, and operations in robust markets position the company for sustainable growth.
Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.
Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.