Mission Statement, Vision, & Core Values of First Horizon Corporation (FHN)

You're looking past the stock ticker to understand what truly drives First Horizon Corporation's performance, and you're right-it starts with their core principles, not just the balance sheet.

Their vision to be the best regional financial services company in the Southeast isn't just a poster on the wall; it's the engine that defintely helped deliver a strong Q3 2025 adjusted net income of $263 million, beating analyst estimates.

But how does a regional player with $83.2 billion in total assets as of September 30, 2025, translate values like We put clients first into a clear path toward their ambitious 15%-plus return on tangible common equity (ROTCE) target?

Are these statements just corporate boilerplate, or are they the strategic roadmap that guides every investment decision and allows them to generate $889 million in Q3 2025 revenue?

First Horizon Corporation (FHN) Overview

You need a clear picture of First Horizon Corporation (FHN), and the quick takeaway is this: the company is a deeply-rooted regional banking powerhouse in the U.S. South, and their latest financial results show a strong, diversified business model. Founded in 1864 by Frank S. Davis in Memphis, Tennessee, First Horizon has grown far beyond its original footprint, evolving through strategic mergers-like the 2020 merger with IberiaBank-to become a major financial services provider across 12 states in the southern U.S.

The company's core strength lies in its comprehensive suite of financial products, which are segmented primarily into Regional Banking and Specialty Banking. They don't just offer checking and savings accounts; they cover the full spectrum of financial needs for both individuals and businesses.

• Commercial and Private Banking: Tailored lending and capital markets services.
• Consumer and Small Business: Traditional deposit-taking and mortgage banking.
• Wealth and Trust Management: Investment and financial planning for high-net-worth clients.

As of the most recent reporting period ending September 30, 2025, First Horizon Corporation reported total assets of $83.2 billion, which shows its significant scale in the regional banking landscape. That's a serious balance sheet.

Q3 2025 Financial Performance and Growth Drivers

The third quarter of 2025 was defintely a strong one for First Horizon, demonstrating that their focus on core banking and strategic investments is paying off. The company reported quarterly revenue of $889 million, surpassing Wall Street expectations. This performance helped push the trailing twelve months (TTM) revenue, ending September 30, 2025, to approximately $3.18 billion.

The net income figures are particularly compelling. Net income available to common shareholders (NIAC) for Q3 2025 was $254 million (GAAP), translating to earnings per share (EPS) of $0.50. On an adjusted basis, excluding notable items, NIAC was even higher at $263 million, or $0.51 per share. Here's the quick math: the adjusted NIAC rose by nearly 15% from the second quarter of 2025, which is a solid jump in a competitive environment.

A key growth driver was the net interest income (NII), which saw a $33 million increase in Q3 2025, a clear sign of effective balance sheet management in the current interest rate cycle. This growth, coupled with a TTM net income of $857 million through September 2025, proves that their diversified business model-especially the commercial and consumer segments-is creating value.

First Horizon as a Leading Regional Financial Services Company

You can't talk about regional banking without putting First Horizon Corporation near the top of the list. The company is consistently recognized as a leading regional financial services company, a title backed by both its financial scale and its industry accolades. They aren't just big; they're well-regarded.

In November 2025, First Horizon was named to the prestigious Forbes America's Best Companies 2026 List, a recognition that evaluates performance across over 100 metrics, including financial health and client feedback. Also, for the second consecutive year, the company was included in TIME's America's Best Midsize Companies of 2025 list, which factors in employee satisfaction and revenue growth data. This kind of recognition confirms the strength of their operational execution and client-centric model.

Their success stems from combining the personalized approach of a regional bank with the sophisticated product offerings of a larger institution, a strategy that has earned them a spot on the Forbes list of America's Best-In-State Banks 2025. To understand the full scope of their market position and the investor sentiment driving their stock, you should look deeper. Exploring First Horizon Corporation (FHN) Investor Profile: Who's Buying and Why?

First Horizon Corporation (FHN) Mission Statement

You're looking for the bedrock of First Horizon Corporation's strategy, and honestly, it's right there in their mission. A mission statement isn't just a plaque on the wall; it's the operating manual for every decision, from a new product launch to a loan approval. For First Horizon Corporation, that guiding principle is a dedication to helping our clients, communities and associates unlock their full potential with capital and counsel. It's a holistic view that acknowledges a bank's success is tied directly to the prosperity of its stakeholders.

This mission is significant because it maps directly to their long-term goals of safety, soundness, profitability, and growth. By focusing on 'unlocking potential,' the company commits to being more than a transaction-processor; they aim to be a true financial partner. This approach has helped them build a substantial regional footprint, managing $83.2 billion in assets as of September 30, 2025, which shows their model is defintely working.

For more detail on how this all fits together, you can check out First Horizon Corporation (FHN): History, Ownership, Mission, How It Works & Makes Money.

Core Component 1: Client-Centric Approach and Exceptional Service

The first, and arguably most critical, pillar of the mission is the client-centric approach, which translates to providing financial solutions with exceptional service. This isn't corporate filler; it's a commitment to tailored solutions for individuals and businesses across commercial, private, and wealth management segments. For a financial institution, quality service means delivering value and security.

Here's the quick math on their commitment to quality: The company's focus on disciplined underwriting resulted in a full-year 2024 net charge-off rate of just 18 basis points. That low number reflects a prudent risk management culture that protects both the bank and its clients from unnecessary credit risk. Plus, First Horizon Corporation was consistently named to Forbes' Best-In-State Banks list for both 2024 and 2025, which is a direct reflection of positive client feedback on service and satisfaction.

• Deliver tailored solutions, not just products.
• Maintain strong credit quality through disciplined risk management.
• Invest in technology for enhanced client experience.

To be fair, a bank's reputation lives and dies by its service, and they know it.

Core Component 2: Community Investment and Expanding Access

The mission's second component, 'communities,' is about more than just having a branch in a neighborhood; it's about economic and social well-being. First Horizon Corporation recognizes that a thriving community is a great place to do business, so they commit capital and counsel to support growth in the 12 states where they operate across the Southern U.S..

This commitment is strongly linked to their core value of 'Expanding Access,' which means broadening pathways for people to work, invest, and do business with them. For example, their investment in local neighborhoods goes beyond financial contributions, focusing on vital resources for all community members. This community action helps foster economic vitality, which in turn strengthens the bank's regional footprint and long-term stability.

Core Component 3: Associate Development and Commitment to Excellence

Finally, the focus on 'associates' is the internal engine that powers the entire mission. You can't deliver exceptional service or counsel without a high-performing, engaged team. The company's core value, 'We care about people,' is about creating an environment where employees can grow and reach their full potential.

The proof is in the recognition: First Horizon Corporation was honored as one of America's Greatest Workplaces 2025 by Newsweek. Furthermore, they were named to TIME's list of America's Best Midsize Companies of 2025, with employee satisfaction being a key evaluation criterion. Internally, their Quality Council-a cross-functional team of front-line bankers-completed over 300 initiatives in 2024, directly improving processes and technology to enhance both the banker and client experiences. The company's Q3 2025 adjusted earnings per share (EPS) of $0.51 is a testament to the disciplined execution and expertise of these associates.

Next Step: Finance should map the Q3 2025 EPS growth against the associate development budget to quantify the return on human capital investment by the end of the month.

First Horizon Corporation (FHN) Vision Statement

You're looking for the bedrock of First Horizon Corporation's strategy-the mission, vision, and values-because those are the non-negotiable filters for capital allocation. The direct takeaway is this: First Horizon's vision is simple-To be the best regional financial services company in the Southeast-and their recent 2025 financial performance shows their Core Values are translating into tangible results, especially in asset growth and profitability.

As an analyst, I see a clear line from their stated purpose, which is 'dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel', right through to their Q3 2025 numbers. That's a strong signal. The firm's total assets hit $83.2 billion as of September 30, 2025, up from $81.5 billion in Q1 2025, which defintely shows their regional footprint is growing and their counsel is valued. Here's a look at how the core values drive that vision.

We Put Clients First: Driving Revenue and Service Excellence

This value is the engine of their revenue stream. Putting clients first means delivering exceptional service, which translates directly to client retention and higher-value relationships-the kind that boost non-interest income. For the third quarter of 2025, First Horizon reported total revenue of $889 million. That top-line growth, especially the jump from Q1 2025 revenue of $812 million, suggests their client-centric approach is winning market share and deepening existing relationships in a competitive Southeast market.

Here's the quick math: higher client satisfaction means less churn and more cross-selling of services like wealth management and private banking, which are key to their diversified business mix. When you're the 'best regional financial services company,' you don't just offer a checking account; you offer a full financial partnership. That focus is what keeps their net interest margin strong, which was 3.42% in Q1 2025.

• Win market share by deepening client relationships.
• Boost non-interest income through cross-selling.
• Maintain a strong net interest margin (NIM).

We're Committed to Excellence: Financial Discipline and Efficiency

A commitment to excellence isn't just a poster on the wall; it's about disciplined financial management and operational efficiency. You see this in their capital position. A strong capital buffer is non-negotiable in the banking sector (especially post-2008), and First Horizon's Common Equity Tier 1 (CET1) ratio stood at a healthy 10.9% in the first quarter of 2025. That's well within the range analysts like to see, signaling stability and capacity for future growth or capital return to shareholders.

The proof is also in their profitability metrics. Net income available to common shareholders for the twelve months ending September 30, 2025, was $857 million, which is a solid 13.21% increase year-over-year. This level of performance shows they are managing expenses and credit quality effectively, a hallmark of operational excellence. Tangible book value per share (TBVPS) also rose to $13.17 in Q1 2025, up from the previous quarter, which is what every investor is looking for. Strong financial performance is the ultimate measure of excellence.

We Expand Access: Community Investment and Growth Strategy

The value of 'We expand access' is their strategic map for regional growth. In a regional bank, expanding access means more than just opening new branches; it means using 'capital and counsel' to serve underserved communities and small businesses. This is how they cement their position as the 'best' in the Southeast.

This value is directly linked to loan and deposit growth, which are the lifeblood of a bank. Management has maintained a positive outlook for 2025, guiding for continued loan and deposit growth in key markets. This focus on expanding access helps them manage risk by diversifying their loan portfolio and building deeper community ties, which translates to a more stable deposit base. For a deeper dive into how these strategic moves impact their balance sheet, you should check out Breaking Down First Horizon Corporation (FHN) Financial Health: Key Insights for Investors.

We Care About People and Foster Team Success: The Talent Advantage

In a service-based business like finance, people are the product. The values 'We care about people' and 'We foster team success' are about talent acquisition and retention, which is a major near-term risk for all financial institutions. A strong culture reduces employee turnover, lowers training costs, and improves service quality, feeding back into the 'We put clients first' value.

The market recognizes this. First Horizon was named to the Forbes America's Best Companies 2026 List in November 2025, a recognition that explicitly evaluated metrics like employee sentiment and client feedback. This isn't a vanity metric; it's a competitive advantage. It ensures the firm, which employs over 7,000 people nationally, has the stable, high-quality talent needed to deliver on that $83.2 billion asset base and continue growing their net income.

First Horizon Corporation (FHN) Core Values

You're looking for a clear picture of what drives First Horizon Corporation beyond the balance sheet, and honestly, it all comes back to their core values. As a seasoned analyst, I see these principles not as corporate fluff, but as a direct map to their resource allocation and near-term strategy. They are a $83.2 billion asset institution as of September 30, 2025, and their values explain how they deploy that capital.

The company's commitment is delivered through five clear values, which act as an operational framework, guiding everything from digital investment to community outreach. This isn't just about maximizing returns; it's about doing it with integrity and a focus on long-term stakeholder value. Here's the defintely actionable breakdown of where their focus is right now.

We Put Clients First

This value is the foundation of their business model, meaning the client experience drives capital expenditure. It's not enough to offer a product; you have to make it easy to use. Right now, this translates into a significant $100 million, three-year strategic investment in technology upgrades. This isn't just a cost; it's a strategic move to enhance digital capabilities, which is crucial for retaining and acquiring clients in a competitive regional banking market.

• Fund digital upgrades with $100 million over three years.
• Prioritize organic growth by deepening existing customer relationships.
• Tailor financial solutions to individual customer needs.

The quick math shows that a dedicated, nine-figure tech spend signals a serious commitment to client-facing improvements, not just back-office efficiency. If you want to see how this impacts their financials, you can check out Breaking Down First Horizon Corporation (FHN) Financial Health: Key Insights for Investors.

We Care About People

A strong financial institution needs a stable, high-performing workforce, and this value addresses that internal investment. The company focuses on fostering an inclusive and growth-focused environment for its associates (employees). The market recognized this in 2025: First Horizon Corporation was named one of America's Greatest Workplaces 2025 by Newsweek.

They also earned a spot on Newsweek's America's Greatest Workplaces for Women 2025 list, which highlights their commitment to gender equity and career growth within the organization. Plus, their Senior Executive Vice President and CFO, Hope Dmuchowski, was named to the Memphis Business Journal's Super Women in Business Class of 2025, demonstrating leadership development at the highest levels. Investing in people reduces turnover risk and improves service quality, period.

We're Committed to Excellence

Excellence isn't an adjective; it's a measurable outcome in finance. For First Horizon Corporation, this means delivering consistent performance and being recognized as a leader in the industry. The most recent validation came on November 19, 2025, when the company was named to the Forbes America's Best Companies 2026 List, a recognition based on over 100 metrics including financial performance and client feedback.

This commitment is also reflected in their financial scale. Operating with $83.2 billion in assets as of Q3 2025, they maintain a significant regional footprint across 12 states in the southern U.S.. This scale and reputation for excellence are critical for attracting large commercial clients and top-tier wealth management talent.

We Expand Access

This value is where their community investment and diversity, equity, and inclusion (DEI) strategy intersect, focusing on broadening pathways to capital and counsel for underserved populations. The company views 'Elevating Equity' as a core principle.

Concrete examples from 2025 show this in action:

• The First Horizon Foundation committed $2.5 million in October 2025 to Church Health in Memphis to enhance healthcare for uninsured individuals.
• Since 2021, the company's foundations have awarded over $10 million in grants specifically for DEI efforts throughout the Southeast.
• The First Horizon Community Investment Group actively works to develop and finance affordable housing using programs like the Low-Income Housing Tax Credit (LIHTC).

What this estimate hides is the long-term impact of that $10 million+ in DEI grants, which is designed to create more equitable communities by funding minority and women business owner initiatives.

We Foster Team Success

Team success is about collaboration and shared purpose, which is especially vital in a large regional bank with diverse service lines-from commercial banking to wealth management. The company fosters this through internal structures like Associate Resource Groups (ARGs), which have grown to eight groups, including the Black Inclusion Guild and the Hispanic Outreach and Latino Alliance.

These groups are more than social clubs; they are internal networks that drive cross-functional collaboration and provide diverse perspectives to senior leadership. When you have a complex organization, fostering team success helps break down silos and ensures that the full suite of services is available to the client, not just the one product a single banker knows best. The company's recognition as a great workplace is a direct result of this focus on internal support and collaboration.