First Horizon (MIL:1FHN) 3-Year RORE % : 9.69% (As of Mar. 2026)

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MIL:1FHN First Horizon Corp MIL:1FHN
69 GF Score
Price €19.90
GF Value €16.78
! 5 Warning Signs
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What is First Horizon 3-Year RORE %?

First Horizon MIL:1FHN 69 3-Year RORE % is 9.69 as of Mar. 2026. GuruFocus rates MIL:1FHN with a GF Score™ of 69/100 and a GF Value™ of €16.78. The stock has 5 warning signs investors should review. Among 1,465 Banks companies, First Horizon ranks better than 67.85% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First Horizon's 3-Year RORE % for the quarter that ended in Mar. 2026 was 9.69%.

The industry rank for First Horizon's 3-Year RORE % or its related term are showing as below:

MIL:1FHN's 3-Year RORE % is ranked better than
67.85% of 1465 companies
in the Banks industry
Industry Median: 9.96 vs MIL:1FHN: 9.69

First Horizon  (MIL:1FHN) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First Horizon 3-Year RORE % Related Terms


First Horizon 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for First Horizon's 3-Year RORE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Horizon 3-Year RORE % Chart

First Horizon Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.02 2.90 -1.38 -4.98 5.25

First Horizon Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -9.09 -2.05 5.25 9.69 0.00

MIL:1FHN vs WBS, UMBF, WTFC: 3-Year RORE % Comparison

For the Banks - Regional subindustry, First Horizon's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First Horizon's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Horizon's 3-Year RORE % falls into.


MIL:1FHN
69GF Score
First Horizon Corp MIL:1FHN
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Horizon 3-Year RORE % Calculation

First Horizon's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 1.797-1.12 )/( 4.323-0.423 )
=0.677/3.9
=17.36 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 9.69 mean?
First Horizon (MIL:1FHN) has a 3-Year RORE % of 9.69 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Horizon and its competitors. According to the industry distribution chart, First Horizon ranks #471 out of 1465 companies in the Banks industry, placing it in the top 32.2%.
Is First Horizon's 3-Year RORE % too high?
First Horizon's current 3-Year RORE % is 9.69. The Banks industry median 3-Year RORE % is 9.96. First Horizon's value of 9.69 is 2.7% below this industry median. Based on the distribution chart, First Horizon ranks #471 out of 1465 companies in the Banks industry, which is above the industry midpoint. Overall, First Horizon has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does First Horizon's 3-Year RORE % compare to WBS and UMBF?
According to the Banks industry distribution chart, First Horizon ranks #471 out of 1465 companies for 3-Year RORE %. This puts First Horizon in the upper half of its industry. The industry median 3-Year RORE % is 9.96. First Horizon's value of 9.69 is 2.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.96, based on 1,465 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Horizon's current 3-Year RORE % of 9.69 is 2.7% 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 RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Horizon and its competitors. For the Banks industry, the median 3-Year RORE % is 9.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Horizon's current 3-Year RORE % is 9.69. 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?
First Horizon (MIL:1FHN) has a current 3-Year RORE % of 9.69. The stock's GF Value™ is €16.78, compared to a current price of €19.90 — trading 18.6% above its estimated fair value. The current 3-Year RORE % is 9.69 and 2.7% below the Banks industry median of 9.96. First Horizon's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For First Horizon (MIL:1FHN), the current 3-Year RORE % is 9.69 as of Mar. 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 (MIL:1FHN) Overvalued in 2026?

Based on GuruFocus' analysis, First Horizon stock appears to be overvalued. The current stock price of €19.90 is trading 18.6% above its estimated GF Value™ of €16.78.

Key valuation signals for MIL:1FHN:

  • 3-Year RORE %: 9.69
  • GF Value™: €16.78 vs. price of €19.90 (18.6% above fair value)
  • GF Score™: 69/100 with 5 warning signs
  • Industry Position: 2.7% below the Banks median (#471 of 1465)

No single metric tells the full story. See the MIL:1FHN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Horizon Business Description

Address 165 Madison Avenue, Memphis, TN, USA, 38103
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.
69GF Score

Get the complete analysis for MIL:1FHN

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€19.90
Price
€16.78
GF Value