First Horizon Corporation (FHN) 8-K Summary
Business Context and Reporting Period
This Form 8-K, dated January 15, 2026, reports the release of the Fourth Quarter 2025 Earnings Release and an accompanying Investor Slide Presentation. The filing covers the period ended December 31, 2025. First Horizon Corporation is a financial institution headquartered in Memphis, Tennessee, with common stock and preferred depositary shares traded on the New York Stock Exchange.
Key Financial Metrics
The provided text serves as a cover document and does not contain specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. These metrics are contained within the attached exhibits (Exhibit 99.1 and Exhibit 99.2), which are not included in the source text. The filing notes that capital ratios for the most recent quarter are estimates and that earnings per share (EPS) references are fully diluted.
Material Changes and Comparisons
The filing text does not provide specific data regarding material changes versus the prior comparable period. It references the existence of an earnings release and investor presentation where such comparisons are detailed but does not summarize the results within the 8-K body.
Guidance, Outlook, and Risks
- Non-GAAP and Regulatory Measures: The filing discloses the use of non-GAAP measures and regulatory measures (including Common Equity Tier 1 capital, Tier 1 capital, and Risk-Weighted Assets) to assess financial condition and capital adequacy. Reconciliations to GAAP measures are provided in the exhibits.
- Forward-Looking Statements: The exhibits contain forward-looking statements regarding future operations, strategies, and financial results. These are based on estimates subject to significant uncertainties, including business, operational, economic, and competitive factors.
- Risks and Contingencies: Actual results may differ materially from expectations due to factors beyond the company's control, including potential acquisitions or divestitures. The company assumes no obligation to update these forward-looking statements.
Investor Verification Checklist
- Review Exhibit 99.1 (Fourth Quarter 2025 Earnings Release) for specific revenue, net income, and EPS figures.
- Examine Exhibit 99.2 (Investor Slide Presentation) for detailed capital ratio estimates and liquidity metrics.
- Verify the reconciliation of non-GAAP measures to GAAP measures located at the end of the exhibits.
- Assess the forward-looking statements and risk factors detailed in the exhibits and the most recent Form 10-K.