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First HorizonFHN -0.29%71 3-Year EPS without NRI Growth Rate is 4.00% as of Jun. 2026, which is 66% below its 10-year median of 11.70. GuruFocus rates FHN with a GF Score™ of 71/100 and a GF Value™ of $24.51 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,402 Banks companies, First Horizon ranks worse than 60.63% on this metric.
During the past 12 months, First Horizon's average EPS without NRI Growth Rate was 22.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 4.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 3.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 6.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of First Horizon was 74.10% per year. The lowest was -18.50% per year. And the median was 11.70% per year.
First Horizon (NYSE:FHN) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
First Horizon 3-Year EPS without NRI Growth Rate Related Terms
FHN vs UMBF, BPOP, WBS: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, First Horizon's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Horizon 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Horizon's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where First Horizon's 3-Year EPS without NRI Growth Rate falls into.
First Horizon 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 4.00% mean?
First Horizon (FHN) has a 3-Year EPS without NRI Growth Rate of 4.00% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for First Horizon and its competitors. This is 66% below median its historical median of 11.70. According to the industry distribution chart, First Horizon ranks #850 out of 1402 companies in the Banks industry, placing it in the top 60.6%.
Is First Horizon's 3-Year EPS without NRI Growth Rate too high?
First Horizon's current 3-Year EPS without NRI Growth Rate of 4.00% is 66% below median its 10-year median of 11.70. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. First Horizon's value of 4.00% is 47.4% below this industry median. Based on the distribution chart, First Horizon ranks #850 out of 1402 companies in the Banks industry, which is below the industry midpoint. Overall, First Horizon has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Horizon's 3-Year EPS without NRI Growth Rate compare to UMBF and BPOP?
According to the Banks industry distribution chart, First Horizon ranks #850 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places First Horizon in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. First Horizon's value of 4.00% is 47.4% below this benchmark. While the company's 10-year median is 11.70 vs. the industry median of 7.60, First Horizon has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Horizon's current 3-Year EPS without NRI Growth Rate of 4.00% is 47.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for First Horizon and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Horizon's current 3-Year EPS without NRI Growth Rate is 4.00%, which is 66% below median its own 10-year median of 11.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Horizon stock overvalued right now?
Based on GuruFocus' analysis, First Horizon (FHN) is currently considered Fairly Valued. The stock's GF Value™ is $24.51, compared to a current price of $23.94 — trading 2.3% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 4.00%, which is 66% below median its 10-year median of 11.70 and 47.4% below the Banks industry median of 7.60. First Horizon's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For First Horizon (FHN), the current 3-Year EPS without NRI Growth Rate is 4.00% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Horizon (FHN) Overvalued in 2026?
Based on GuruFocus' analysis, First Horizon stock appears to be undervalued.
The current stock price of $23.94 is trading 2.3% below its estimated GF Value™ of $24.51.
GuruFocus considers First Horizon to be Fairly Valued.
Key valuation signals for FHN:
3-Year EPS without NRI Growth Rate: 4.00% (66% below median its 10-year median of 11.70)
GF Value™: $24.51 vs. price of $23.94 (2.3% below fair value)
Industry Position: 47.4% below the Banks median (#850 of 1402)
No single metric tells the full story. See the FHN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Horizon Corp is the parent company of First Tennessee Bank, a prominent regional bank with about 200 branches around Tennessee. The company's reportable segments are: Commercial, Consumer & Wealth, Wholesale, and Corporate. The majority of its revenue is generated from Commercial, Consumer & Wealth. The Commercial, Consumer & Wealth segment offers financial products and services, including traditional lending and deposit taking, to commercial and consumer clients in the southern USA and other selected markets. The Wholesale segment delivers industry-specific products and services, while the Corporate segment provides internal support functions like finance, risk, and audit.
71GF Score
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