FHN
First Horizon Corporation
Banks - Regional
Market Cap$11.87B
5Y Perf.+161.7%
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Stock Comparison
FHN vs RF
Revenue, margins, valuation, and 5-year total return — side by side.
RF
Regions Financial Corporation
Banks - Regional
Market Cap$24.27B
5Y Perf.+147.2%
FHN vs RF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FHN | RF |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $11.87B | $24.27B |
| Revenue (TTM) | $4.99B | $9.61B |
| Net Income (TTM) | $982M | $2.16B |
| Gross Margin | 67.3% | 74.6% |
| Operating Margin | 25.7% | 28.5% |
| Forward P/E | 11.4x | 10.7x |
| Total Debt | $4.57B | $4.88B |
| Cash & Equiv. | $961M | $10.91B |
FHN vs RF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FHN
RF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| First Horizon Corpo… (FHN) | 100 | 261.7 | +161.7% |
| Regions Financial C… (RF) | 100 | 247.2 | +147.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FHN vs RF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RF leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. First Horizon Corporation is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
FHN
First Horizon Corporation
The Banking Pick
FHN is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 1.10, Low D/E 50.0%, current ratio 0.96x
- Beta 1.10, yield 2.6%, current ratio 0.96x
- Efficiency ratio 0.4% vs RF's 0.5% (lower = leaner)
Best for: sleep-well-at-night and defensive
RF
Regions Financial Corporation
The Banking Pick
RF carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 13 yrs, beta 1.10, yield 3.7%
- Rev growth 2.5%, EPS growth 18.7%
- 283.3% 10Y total return vs FHN's 119.6%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RF | 2.5% NII/revenue growth vs FHN's 1.0% |
| Value | RF | Lower P/E (10.7x vs 11.4x) |
| Quality / Margins | FHN | Efficiency ratio 0.4% vs RF's 0.5% (lower = leaner) |
| Stability / Safety | FHN | Beta 1.10 vs RF's 1.10 |
| Dividends | RF | 3.7% yield, 13-year raise streak, vs FHN's 2.6% |
| Momentum (1Y) | RF | +39.6% vs FHN's +34.9% |
| Efficiency (ROA) | FHN | Efficiency ratio 0.4% vs RF's 0.5% |
FHN vs RF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2023
FHN vs RF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRFLAGGINGFHN
FHNFirst Horizon Corpora…
1leads
RFRegions Financial Cor…
4leads
6 Total Categories
CATEGORYLEADERvs FHNMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RF4/5
Valuation MetricsMultiples, price ratios, and targets
RF5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RF7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
FHN2/2
Analyst OutlookRatings, price targets, and dividends
RF2/2
Income & Cash Flow (Last 12 Months)
RF leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
RF is the larger business by revenue, generating $9.6B annually — 1.9x FHN's $5.0B. Profitability is closely matched — net margins range from 22.4% (RF) to 19.7% (FHN).
| Metric | FHNFirst Horizon Cor… | RFRegions Financial… |
|---|---|---|
| RevenueTrailing 12 months | $5.0B | $9.6B |
| EBITDAEarnings before interest/tax | $1.3B | $2.8B |
| Net IncomeAfter-tax profit | $982M | $2.2B |
| Free Cash FlowCash after capex | $628M | $2.1B |
| Gross MarginGross profit ÷ Revenue | +67.3% | +74.6% |
| Operating MarginEBIT ÷ Revenue | +25.7% | +28.5% |
| Net MarginNet income ÷ Revenue | +19.7% | +22.4% |
| FCF MarginFCF ÷ Revenue | +12.6% | +22.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +79.3% | +3.6% |
RF leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
RF leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 12.2x trailing earnings, RF trades at a 6% valuation discount to FHN's 13.0x P/E. On an enterprise value basis, RF's 6.5x EV/EBITDA is more attractive than FHN's 11.6x.
| Metric | FHNFirst Horizon Cor… | RFRegions Financial… |
|---|---|---|
| Market CapShares × price | $11.9B | $24.3B |
| Enterprise ValueMkt cap + debt − cash | $15.5B | $18.2B |
| Trailing P/EPrice ÷ TTM EPS | 13.02x | 12.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.41x | 10.70x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.70x |
| EV / EBITDAEnterprise value multiple | 11.58x | 6.50x |
| Price / SalesMarket cap ÷ Revenue | 2.38x | 2.53x |
| Price / BookPrice ÷ Book value/share | 1.33x | 1.29x |
| Price / FCFMarket cap ÷ FCF | 18.90x | 11.13x |
RF leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
RF leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
RF delivers a 11.3% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $11 for FHN. RF carries lower financial leverage with a 0.26x debt-to-equity ratio, signaling a more conservative balance sheet compared to FHN's 0.50x. On the Piotroski fundamental quality scale (0–9), RF scores 9/9 vs FHN's 7/9, reflecting strong financial health.
| Metric | FHNFirst Horizon Cor… | RFRegions Financial… |
|---|---|---|
| ROE (TTM)Return on equity | +10.7% | +11.3% |
| ROA (TTM)Return on assets | +1.2% | +1.4% |
| ROICReturn on invested capital | +7.0% | +8.5% |
| ROCEReturn on capital employed | +10.2% | +9.6% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 |
| Debt / EquityFinancial leverage | 0.50x | 0.26x |
| Net DebtTotal debt minus cash | $3.6B | -$6.0B |
| Cash & Equiv.Liquid assets | $961M | $10.9B |
| Total DebtShort + long-term debt | $4.6B | $4.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.82x | 1.32x |
RF leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — FHN and RF each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FHN five years ago would be worth $14,355 today (with dividends reinvested), compared to $14,133 for RF. Over the past 12 months, RF leads with a +39.6% total return vs FHN's +34.9%. The 3-year compound annual growth rate (CAGR) favors FHN at 34.9% vs RF's 23.5% — a key indicator of consistent wealth creation.
| Metric | FHNFirst Horizon Cor… | RFRegions Financial… |
|---|---|---|
| YTD ReturnYear-to-date | +2.1% | +2.4% |
| 1-Year ReturnPast 12 months | +34.9% | +39.6% |
| 3-Year ReturnCumulative with dividends | +145.7% | +88.5% |
| 5-Year ReturnCumulative with dividends | +43.6% | +41.3% |
| 10-Year ReturnCumulative with dividends | +119.6% | +283.3% |
| CAGR (3Y)Annualised 3-year return | +34.9% | +23.5% |
Evenly matched — FHN and RF each lead in 3 of 6 comparable metrics.
Risk & Volatility
FHN leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
FHN is the less volatile stock with a 1.10 beta — it tends to amplify market swings less than RF's 1.10 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FHN currently trades 92.1% from its 52-week high vs RF's 88.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FHNFirst Horizon Cor… | RFRegions Financial… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.10x | 1.10x |
| 52-Week HighHighest price in past year | $26.56 | $31.53 |
| 52-Week LowLowest price in past year | $18.58 | $20.67 |
| % of 52W HighCurrent price vs 52-week peak | +92.1% | +88.7% |
| RSI (14)Momentum oscillator 0–100 | 62.0 | 55.5 |
| Avg Volume (50D)Average daily shares traded | 5.0M | 11.8M |
FHN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
RF leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FHN as "Hold" and RF as "Hold". Consensus price targets imply 14.4% upside for FHN (target: $28) vs 10.1% for RF (target: $31). For income investors, RF offers the higher dividend yield at 3.71% vs FHN's 2.59%.
| Metric | FHNFirst Horizon Cor… | RFRegions Financial… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $28.00 | $30.78 |
| # AnalystsCovering analysts | 35 | 52 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +3.7% |
| Dividend StreakConsecutive years of raises | 3 | 13 |
| Dividend / ShareAnnual DPS | $0.63 | $1.04 |
| Buyback YieldShare repurchases ÷ mkt cap | +7.7% | +4.4% |
RF leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
RF leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). FHN leads in 1 (Risk & Volatility). 1 tied.
Best OverallRegions Financial Corporati… (RF)Leads 4 of 6 categories
Loading custom metrics...
FHN vs RF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FHN or RF a better buy right now?
For growth investors, Regions Financial Corporation (RF) is the stronger pick with 2.
5% revenue growth year-over-year, versus 1. 0% for First Horizon Corporation (FHN). Regions Financial Corporation (RF) offers the better valuation at 12. 2x trailing P/E (10. 7x forward), making it the more compelling value choice. Analysts rate First Horizon Corporation (FHN) a "Hold" — based on 35 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FHN or RF?
On trailing P/E, Regions Financial Corporation (RF) is the cheapest at 12.
2x versus First Horizon Corporation at 13. 0x. On forward P/E, Regions Financial Corporation is actually cheaper at 10. 7x.
03Which is the better long-term investment — FHN or RF?
Over the past 5 years, First Horizon Corporation (FHN) delivered a total return of +43.
6%, compared to +41. 3% for Regions Financial Corporation (RF). Over 10 years, the gap is even starker: RF returned +283. 3% versus FHN's +119. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FHN or RF?
By beta (market sensitivity over 5 years), First Horizon Corporation (FHN) is the lower-risk stock at 1.
10β versus Regions Financial Corporation's 1. 10β — meaning RF is approximately 0% more volatile than FHN relative to the S&P 500. On balance sheet safety, Regions Financial Corporation (RF) carries a lower debt/equity ratio of 26% versus 50% for First Horizon Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — FHN or RF?
By revenue growth (latest reported year), Regions Financial Corporation (RF) is pulling ahead at 2.
5% versus 1. 0% for First Horizon Corporation (FHN). On earnings-per-share growth, the picture is similar: First Horizon Corporation grew EPS 38. 2% year-over-year, compared to 18. 7% for Regions Financial Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FHN or RF?
Regions Financial Corporation (RF) is the more profitable company, earning 22.
4% net margin versus 19. 7% for First Horizon Corporation — meaning it keeps 22. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RF leads at 28. 5% versus 25. 7% for FHN. At the gross margin level — before operating expenses — RF leads at 74. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FHN or RF more undervalued right now?
On forward earnings alone, Regions Financial Corporation (RF) trades at 10.
7x forward P/E versus 11. 4x for First Horizon Corporation — 0. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FHN: 14. 4% to $28. 00.
08Which pays a better dividend — FHN or RF?
All stocks in this comparison pay dividends.
Regions Financial Corporation (RF) offers the highest yield at 3. 7%, versus 2. 6% for First Horizon Corporation (FHN).
09Is FHN or RF better for a retirement portfolio?
For long-horizon retirement investors, Regions Financial Corporation (RF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
10), 3. 7% yield, +283. 3% 10Y return). Both have compounded well over 10 years (RF: +283. 3%, FHN: +119. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FHN and RF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(FHN: 1.0% · RF: 2.5%)Net Margin>
%
(FHN: 19.7% · RF: 22.4%)P/E Ratio<
x
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