First Horizon

FHN US Financials Regional Banks
S&P 400
$24.47
-0.49%
Delayed · cached 15 min

Fair value analysis

FHN
First Horizon
FinancialsRegional Banks
$24.47
Close used for this calculation
$26.17Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
67/100
Profitability19/25
Returns11/25
Balance Sheet17/25
Efficiency20/25
Growth8/25
Strong
Quality radar
67Prof.19/25Ret.11/25Eff.20/25B.Sht17/25Growth8/25

Consensus fair value

$26.17
Near FV
▲ +6.9% against the close used
Model range $12.66 – $37.40
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$12.66Fair value$26.17Bull$37.40
FairClose
52-week traded range
52W low $19.9452W high $26.23

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

First Horizon closed at $24.47, 6.5% below the consensus fair value of $26.17 drawn from 9 valuation models.

Financial DNA score 67/100 — Strong. P/E of 13.1x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$19.79
-19.1%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=6.8%, r=10%, tg=3%, n=10yr
Graham Number
$28.36
+15.9%
√(22.5 × EPS × BVPS)
EPS=1.87, BVPS=19.12
P/E Fair Value
$37.40
+52.8%
EPS × 20x (sector P/E)
EPS=1.87, Sector P/E=20x
Peter Lynch (PEG)
$12.66
-48.3%
EPS × Growth% (PEG = 1 is fair)
EPS=1.87, g=6.8%
EV/EBITDA
$31.10
+27.1%
(EBITDA × 13.4x − Net Debt) ÷ Shares
EBITDA=1.34B
Dividend Discount (DDM)
$19.82
-19.0%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.6, r=10%, g=6.8%
Book Value (P/B)
$22.51
-8.0%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=19.12, ROE=10.7%, g=6%, r=10%
Reverse DCF
$24.47
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 1.4% | Historical: 6.8%
Margin of Safety
$21.39
-12.6%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=28.52, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.