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First Horizon (FHN) guidance and outlook

First Horizon's 10-Q filed Nov 5, 2026 makes 3 forward-looking statements.

Guidance and outlook

3 statements; tone -0.67 (−1 all cautious, +1 all confident); 1 hedged.

Forward-looking statements, 10-Q filed Nov 5, 2026

The provision for credit losses is the expense necessary to maintain the ALLL and the accrual for unfunded lending commitments at levels appropriate to absorb management’s estimate of credit losses expected over the life of the loan and lease portfolio and the portfolio of unfunded loan commitments.
As part of FHN’s credit risk management governance processes, the Special Assets Department ("SAD") is responsible for managing most commercial relationships with borrowers whose financial condition has deteriorated to such an extent that the credits are individually reviewed for expected credit losses, classified as substandard or worse, placed on nonaccrual status, foreclosed or in process of foreclosure, or in…
The timing and exact amount of common share repurchases are at the discretion of senior management and are subject to various factors, including FHN's capital position, financial performance, expected capital impacts of strategic initiatives, market conditions, business conditions, and regulatory considerations.

First Horizon's latest quarter

First Horizon, Q3 2026: revenue $407M (-54% year over year), operating margin -23.8%, net loss $79.0M, operating cash flow $623M. The chart follows the revenue to costs, profit and cash.

Questions

What does First Horizon expect?

The provision for credit losses is the expense necessary to maintain the ALLL and the accrual for unfunded lending commitments at levels appropriate to absorb management’s estimate of credit losses expected over the life of the loan and lease portfolio and the portfolio of unfunded loan commitments. As part of FHN’s credit risk management governance processes, the Special Assets Department ("SAD") is responsible for managing most commercial relationships with borrowers whose financial condition has deteriorated to such an extent that the credits are individually reviewed for expected credit lo

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.