First Horizon Corporation (FHN) Stock Analysis & Winston Score

First Horizon Corporation is a regional bank headquartered in Memphis, Tennessee. It offers everyday banking services like checking accounts, savings accounts, loans, and mortgages to regular people and businesses. It also provides wealth management and commercial banking services, making it one of the larger regional banks in the southeastern United States. The bank makes money primarily through interest income — it collects more in interest on loans than it pays out on deposits. First Horizon operates across roughly 12 states, mostly in the South, and has around $82 billion in total assets. Its main competitive advantage is its deep roots and long-standing customer relationships in the Southeast, but regional banks face real pressure from rising funding costs and competition from large national banks like JPMorgan and Bank of America. The key risk going forward is how well First Horizon manages its net interest margin if interest rates shift, which directly affects how profitable its core lending business remains.