For the quarter ended December 2024, First Horizon National (FHN) reported revenue of $729 million, down 8.9% over the same period last year. EPS came in at $0.43, compared to $0.32 in the year-ago quarter.

The reported revenue represents a surprise of -11.36% over the Zacks Consensus Estimate of $822.47 million. With the consensus EPS estimate being $0.38, the EPS surprise was +13.16%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how First Horizon performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Interest Margin (FTE): 3.3% compared to the 3.3% average estimate based on four analysts.
• Efficiency Ratio: 62% compared to the 60% average estimate based on four analysts.
• Net charge-offs to average loans: 0.1% compared to the 0.3% average estimate based on three analysts.
• Average Balance - Total interest earning assets: $75.74 billion compared to the $76.23 billion average estimate based on three analysts.
• Total nonperforming loans and leases: $602 million versus $608.92 million estimated by two analysts on average.
• Total Non-Interest Income: $99 million versus the four-analyst average estimate of $195.64 million.
• Net Interest Income: $630 million versus the four-analyst average estimate of $623.27 million.
• Net interest income (FTE): $634 million versus $622.82 million estimated by three analysts on average.
• Service charges and fees: $53 million versus the two-analyst average estimate of $58.35 million.
• Other noninterest income: $20 million versus the two-analyst average estimate of $19.37 million.
• Card and digital banking fees: $19 million versus $19.68 million estimated by two analysts on average.
• Mortgage banking and title: $8 million versus the two-analyst average estimate of $8.55 million.

View all Key Company Metrics for First Horizon here>>>

Shares of First Horizon have returned +11.9% over the past month versus the Zacks S&P 500 composite's -1.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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