First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through Regional Banking and Specialty Banking segments. It offers general banking services for consumers, businesses, financial institutions, and governments. The company also accepts deposits; provides underwriting services for bank-eligible securities and other fixed-income securities by financial subsidiaries; sells loans and derivatives; financial planning; and offers investment and financial advisory services. In addition, it offers mortgage banking; loan syndications; brokerage services; commercial and business banking for business enterprises, consumer banking, and private client and wealth management services; capital markets, professional commercial real estate, mortgage warehouse and asset-based lending, franchise and equipment finance, tax credit finance, energy and healthcare finance, asset management, and corporate and correspondent banking services. Further, the company provides transaction processing services including check clearing services and remittance processing, credit cards, investment, and sale of mutual fund and retail insurances, as well as trust, fiduciary, and agency services. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.

First Horizon Corporation

The following are the top rated Financial stocks according to Validea's Growth Investor model based on the published strategy of Martin Zweig. This strategy looks for growth stocks with persistent accelerating earnings and sales growth, reasonable valuations and low debt.
CME GROUP INC (CME) is a large-cap growth stock in the Investment Services industry. The rating according to our strategy based on Martin Zweig is 92% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: CME Group Inc. provides a derivatives marketplace. The Company enables clients to trade futures, options, cash and over the counter (OTC) markets, optimize portfolios, and analyze data. It exchanges offer a range of global benchmark products across all major asset classes based on interest rates, equity indexes, foreign exchange (FX), energy, agricultural products and metals. It offers futures and options on futures trading through the CME Globex platform, fixed income trading via BrokerTec and FX trading on the EBS platform. In addition, it operates central counterparty clearing provider, CME Clearing. Its products provide a means for hedging, speculation and asset allocation related to the risks associated with, among other things, interest rate sensitive instruments, and changes in the prices of agricultural, energy and metal commodities. It provides clearing and settlement services for a range of exchange-traded futures and options on futures contracts and OTC derivatives.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of CME GROUP INC
HINGHAM INSTITUTION FOR SAVINGS (HIFS) is a small-cap value stock in the Regional Banks industry. The rating according to our strategy based on Martin Zweig is 82% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Hingham Institution for Savings (the Bank) provides business banking solutions. The Companys team of relationship managers serve a diverse group of customers, including property managers, startups, nonprofit organizations, municipalities, government organizations and professional service organizations. It offers personalized service and robust digital tools. Its team of personal bankers provides customized solutions for its customers. It offers a tailored suite of cash management services designed for its nonprofit customers. The Companys personal banking services include personal checking, deposit rates, mobile and online banking and residential mortgages. The Companys business banking services include business checking, commercial real estate lending, cash management, nonprofit banking, government banking, property management banking and startup banking.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of HINGHAM INSTITUTION FOR SAVINGS
OPPENHEIMER HOLDINGS INC (OPY) is a small-cap value stock in the Investment Services industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Oppenheimer Holdings Inc., through its subsidiaries, is a middle market investment bank and full-service broker-dealer. The Company is engaged in a broad range of activities in the financial services industry, including retail securities brokerage, institutional sales and trading, investment banking (corporate and public finance), equity and fixed income research, market-making, trust services, and investment advisory and asset management services. The Companys Wealth Management segment provides a comprehensive array of financial services through a network of financial advisors. Its wealth management services include full-service brokerage, wealth planning, and margin lending. Its Capital Markets segment includes investment banking, institutional equities sales, trading, and research, taxable fixed income sales, trading, and research, public finance and municipal trading, as well as the Company's operations in the United Kingdom, Hong Kong and Israel.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of OPPENHEIMER HOLDINGS INC
FIRST HORIZON CORP (FHN) is a large-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: First Horizon Corporation is a regional financial services company. The Company is a financial holding company. The Companys principal subsidiary, and only banking subsidiary, is First Horizon Bank (the Bank). Through the Bank and other subsidiaries, it offers commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Its segments include Commercial, Consumer & Wealth; Wholesale; and Corporate. The Commercial, Consumer & Wealth segment offers financial products and services, including traditional lending and deposit taking, to commercial and consumer clients primarily in the southern United States and other selected markets. The Wholesale segment includes mortgage warehouse lending, franchise finance, correspondent banking, and mortgage. Additionally, the Wholesale segment has a line of business focused on fixed-income securities sales, trading, underwriting, and others.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of FIRST HORIZON CORP
ORRSTOWN FINANCIAL SERVICES INC (ORRF) is a small-cap growth stock in the Money Center Banks industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Orrstown Financial Services, Inc. is a financial holding company for its wholly owned subsidiary Orrstown Bank (the Bank). The Bank provides a range of consumer and business financial services in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York Counties, Pennsylvania and Anne Arundel, Baltimore, Harford, Howard, and Washington Counties, Maryland, as well as Baltimore City, Maryland. The Bank operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending and deposit services, including checking, savings, time and money market deposits. The Company's lending area also includes adjacent counties in Pennsylvania and Maryland, as well as Loudon County, Virginia and Berkeley, Jefferson and Morgan Counties, West Virginia. The Bank also provides fiduciary, investment advisory, insurance and brokerage services.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of ORRSTOWN FINANCIAL SERVICES INC
About Martin Zweig: During the 15 years that it was monitored, Zweig's stock recommendation newsletter returned an average of 15.9 percent per year, during which time it was ranked number one based on risk-adjusted returns by Hulbert Financial Digest. Zweig has managed both mutual and hedge funds during his career, and he's put the fortune he's compiled to some interesting uses. He has owned what Forbes reported was the most expensive apartment in New York, a $70 million penthouse that sits atop Manhattan's Pierre Hotel, and he is a collector of all sorts of pop culture and historical memorabilia -- among his purchases are the gun used by Clint Eastwood in "Dirty Harry", a stock certificate signed by Commodore Vanderbilt, and even two old-fashioned gas pumps similar to those he'd seen at a nearby gas station while growing up in Cleveland, according to published reports.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Validea's Top Financial Stocks Based On Martin Zweig - 9/1/2025

Among the underlying components of the Russell 3000 index, we saw noteworthy options trading volume today in First Horizon Corp (Symbol: FHN), where a total of 54,961 contracts have traded so far, representing approximately 5.5 million underlying shares. That amounts to about 57.8% of FHN's average daily trading volume over the past month of 9.5 million shares. Particularly high volume was seen for the $24 strike call option expiring January 16, 2026, with 31,315 contracts trading so far today, representing approximately 3.1 million underlying shares of FHN. Below is a chart showing FHN's trailing twelve month trading history, with the $24 strike highlighted in orange:
Broadcom Inc (Symbol: AVGO) saw options trading volume of 98,183 contracts, representing approximately 9.8 million underlying shares or approximately 55.8% of AVGO's average daily trading volume over the past month, of 17.6 million shares. Particularly high volume was seen for the $320 strike call option expiring September 19, 2025, with 6,178 contracts trading so far today, representing approximately 617,800 underlying shares of AVGO. Below is a chart showing AVGO's trailing twelve month trading history, with the $320 strike highlighted in orange:
And Papa John's International, Inc. (Symbol: PZZA) options are showing a volume of 5,196 contracts thus far today. That number of contracts represents approximately 519,600 underlying shares, working out to a sizeable 54.8% of PZZA's average daily trading volume over the past month, of 948,835 shares. Especially high volume was seen for the $35 strike put option expiring October 17, 2025, with 5,021 contracts trading so far today, representing approximately 502,100 underlying shares of PZZA. Below is a chart showing PZZA's trailing twelve month trading history, with the $35 strike highlighted in orange:
For the various different available expirations for FHN options, AVGO options, or PZZA options, visit StockOptionsChannel.com.
Also see:
Agricultural Chemicals Dividend Stocks
Funds Holding AVDL
MVIS Options Chain
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Noteworthy Thursday Option Activity: FHN, AVGO, PZZA

Among the underlying components of the Russell 3000 index, we saw noteworthy options trading volume today in Comfort Systems USA Inc (Symbol: FIX), where a total of 1,567 contracts have traded so far, representing approximately 156,700 underlying shares. That amounts to about 48% of FIX's average daily trading volume over the past month of 326,505 shares. Especially high volume was seen for the $600 strike call option expiring August 15, 2025, with 220 contracts trading so far today, representing approximately 22,000 underlying shares of FIX. Below is a chart showing FIX's trailing twelve month trading history, with the $600 strike highlighted in orange:
First Horizon Corp (Symbol: FHN) options are showing a volume of 37,096 contracts thus far today. That number of contracts represents approximately 3.7 million underlying shares, working out to a sizeable 47.8% of FHN's average daily trading volume over the past month, of 7.8 million shares. Particularly high volume was seen for the $21 strike put option expiring August 15, 2025, with 20,492 contracts trading so far today, representing approximately 2.0 million underlying shares of FHN. Below is a chart showing FHN's trailing twelve month trading history, with the $21 strike highlighted in orange:
And Darling Ingredients Inc (Symbol: DAR) options are showing a volume of 12,425 contracts thus far today. That number of contracts represents approximately 1.2 million underlying shares, working out to a sizeable 46.2% of DAR's average daily trading volume over the past month, of 2.7 million shares. Particularly high volume was seen for the $40 strike call option expiring September 19, 2025, with 8,036 contracts trading so far today, representing approximately 803,600 underlying shares of DAR. Below is a chart showing DAR's trailing twelve month trading history, with the $40 strike highlighted in orange:
For the various different available expirations for FIX options, FHN options, or DAR options, visit StockOptionsChannel.com.
BMY Videos
Top Ten Hedge Funds Holding PRST
Institutional Holders of NPKI
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Notable Friday Option Activity: FIX, FHN, DAR

Key Points
- EPS (Non-GAAP) reached $0.45, surpassing analyst estimates by 7.2 %.
- Revenue came in just below expectations at $830 million, up 1.8 % from the prior year.
- Loan growth and improved credit trends supported a higher return on tangible common equity at 13.85 %.
First Horizon (NYSE:FHN), a regional banking group focused on retail and commercial lending in the Southeast, released its second quarter 2025 earnings on July 16, 2025. The most important news was a beat on non-GAAP EPS, at $0.45 versus the $0.42 estimate, while revenue slightly missed at $830 million, just under the $831.7 million consensus. Compared to the prior-year quarter, earnings and profitability showed improvement, driven by loan growth and stable credit costs. The quarter as a whole reflected steady core operating trends, modest margin pressure, and continued discipline on expenses.
Metric
Q2 2025
Q2 2025 Estimate
Q2 2024
Y/Y Change
EPS (Non-GAAP)
$0.45
$0.42
$0.36
25.0 %
Revenue (GAAP)
$830 million
$831.7 million
$815 million
1.8 %
Net Interest Income
$641 million
$629 million
1.9 %
Net Charge-Off Ratio
0.22 %
0.22 %
0.0 pp
Return on Average Tangible Common Equity (Non-GAAP)
13.85 %
11.29 %
2.56 pp
First Horizon’s Business and Strategic Focus
First Horizon is a banking company operating primarily in the Southeastern United States. It provides a mix of retail banking, commercial banking, and fee-based financial services. Loans, especially to commercial clients and mortgage companies, represent a major part of its balance sheet, while deposits form the main funding source.
The company has focused on balancing growth and profitability. Lately, First Horizon has emphasized managing the impact of interest rates on its net interest income, growing lending to mortgage companies and commercial clients, and controlling expenses. Key success factors include expanding core customer relationships, keeping credit quality stable, and investing in technology to improve service and efficiency.
Quarterly Highlights and Financial Performance
The second quarter showed improvement in earnings quality. Non-GAAP EPS exceeded expectations by $0.03. The revenue figure was up 1.8 % year over year but narrowly missed analyst expectations. Loan and lease balances rose, reaching $63.3 billion at period end, an increase of $1.0 billion from the first quarter. The main contributors were loans to mortgage companies, which grew seasonally by $689 million, and commercial and industrial (C&I) lending, which grew by $316 million. The bank funded much of this loan growth with brokered deposits, which increased by $1.6 billion. While this was effective short term, continued reliance on brokered deposits may raise funding costs and liquidity risk if not balanced by core deposit growth.
Net interest income, the difference between what the bank earns on loans and pays for deposits and other funding, grew to $641 million. However, the net interest margin (NIM), which expresses this income as a percentage of earning assets, fell by two basis points to 3.40%. This decline was due to increases in deposit costs, particularly as the bank took in more brokered deposits to support lending. The cost for interest-bearing deposits rose to 2.76 %, up slightly from the previous quarter. Management noted these pressures are likely to remain until the Federal Reserve cuts interest rates or core deposit growth accelerates.
Noninterest income, which includes fees from fixed income, mortgage banking, and service charges, increased by $7 million from the previous quarter. Mortgage banking fees, which reflect activity in originating and selling home loans, saw a $1 million rise thanks to seasonal increases in home purchases. Service charges and fees grew by $3 million, driven by higher client transactions. Fixed income revenue dropped $7 million, with the segment impacted by weaker trading conditions and lower client activity.
On the cost side, the company continued tight expense management. Total noninterest expense rose by $3 million to $491 million but declined year over year. Adjusted noninterest expense, which strips out certain items like deferred compensation changes, was flat compared to a year ago and up $14 million sequentially, mainly due to higher deferred compensation and a seasonal rise in advertising. Personnel expenses fell by $3 million, reflecting discipline with staff incentives. The efficiency ratio—a measure of cost as a percentage of revenue—improved to 59.20 %.
Credit quality remained stable, with the net charge-off ratio for uncollected loans holding at 0.22 %. A charge-off occurs when a bank writes off a loan as a loss. Nonperforming loans, which are loans where the borrower is not making payments as scheduled, declined by $17 million. The allowance for credit losses (ACL) to loans ratio dropped slightly to 1.42 % as loan balances increased, especially in low-loss portfolios like mortgage warehouse lending.
Capital levels stayed strong. The Common Equity Tier 1 (CET1) ratio—a key regulatory measure of capital adequacy—stood at 11.0 %. Return on average tangible common equity (ROTCE), a profitability metric focusing on the returns generated from shareholders’ invested money excluding intangible assets, reached 13.85 %, up from 11.29 % a year earlier. Tangible book value per share grew 11 % year over year to $13.57. Share repurchases reduced diluted shares outstanding to 514 million from 547 million last year.
One-time events included a $1 million credit from the Federal Deposit Insurance Corporation (FDIC) special assessment, a minor positive for results. No mergers or acquisitions were announced this quarter. The bank’s board declared a regular quarterly dividend of $0.15 per share, unchanged from prior periods.
Looking Ahead: Guidance and Investor Considerations
Management reaffirmed guidance for fiscal 2025, with targets unchanged for profitability and capital. Leaders continue to expect total revenue growth to fall within initial ranges, assuming three Federal Reserve rate cuts later in the year. The company’s net charge-off ratio guidance for the full year remains between 0.15 % and 0.25 %, with expense growth targeted between 2 % and 4 % over 2024 levels. No major changes to strategic direction or capital allocation policy were reported. The stated goal is to produce at least a 15 % return on tangible common equity in the intermediate term.
For the next few quarters, investors may want to watch deposit growth, especially the balance between brokered and core deposits, and the impact on funding costs and net interest margin. Credit normalization and loan quality also remain important, as do the effects of economic developments such as tariffs and inflation on loan demand and deposit flows.
FHN pays a quarterly dividend of $0.15 per share, which was unchanged in the quarter.
Revenue and net income presented using U.S. generally accepted accounting principles (GAAP) unless otherwise noted.
Where to invest $1,000 right now
When our analyst team has a stock tip, it can pay to listen. After all, Stock Advisor’s total average return is 1,034%* — a market-crushing outperformance compared to 180% for the S&P 500.
They just revealed what they believe are the 10 best stocks for investors to buy right now, available when you join Stock Advisor.
*Stock Advisor returns as of July 21, 2025
JesterAI is a Foolish AI, based on a variety of Large Language Models (LLMs) and proprietary Motley Fool systems. All articles published by JesterAI are reviewed by our editorial team, and The Motley Fool takes ultimate responsibility for the content of this article. JesterAI cannot own stocks and so it has no positions in any stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

First Horizon Posts Q2 EPS Beat

Huntington Bancshares Incorporated HBAN reported second-quarter 2025 adjusted earnings per share (EPS) of 38 cents, which matched the Zacks Consensus Estimate. In the prior-year quarter, the company reported EPS of 30 cents.
The result included 4 cents of impact to EPS, resulting from a $58 million decrease in pre-tax earnings from a securities repositioning.
Results have reflected improvements in net interest income (NII) and average loan and deposit balances. However, an increase in non-interest expenses and a decline in non-interest income were headwinds.
The company reported a net income attributable to common shareholders (GAAP basis) of $536 million in the quarter, which increased from $474 million reported in the prior-year quarter.
HBAN’s Revenues & Expenses Increase
Total quarterly revenues (on a fully taxable-equivalent or FTE basis) increased 10.8% year over year to $2.01 billion in the second quarter. The top surpassed the Zacks Consensus Estimate of $1.98 billion.
NII (FTE basis) was $1.48 billion, up 12% from the prior-year quarter’s tally. The increase was primarily due to a rise in average earning assets and net interest margin (NIM). NIM jumped 12 basis points to 3.11% in the reported quarter.
Non-interest income moved down 4% year over year to $471 million.
Non-interest expenses were up 7% year over year to $1.19 billion. The rise was mainly due to an increase in personnel costs, outside data processing and other services costs, net occupancy expenses and marketing costs.
The efficiency ratio was 59%, down from the year-ago quarter’s 60.8%. A fall in the efficiency ratio indicates an increase in profitability.
HBAN’s Loans and Deposits Increase
As of June 30, 2025, average loans and leases at Huntington inched up 2% sequentially to $133.2 billion. Average total deposits increased 1% to $163.4 billion.
HBAN’s Credit Quality: Mixed Bag
Net charge-offs were $66 million, down from $90 million reported in the prior-year quarter. The quarter-end allowance for credit losses increased 3.8% to $2.52 billion from the prior-year quarter. Total non-performing assets were $852 million as of June 30, 2025, up 9.2% from the prior-year quarter.
Net charge-offs/average total loans and leases were 0.20%, down from 0.29% in the prior-year quarter.
In the second quarter, the company recorded a provision for credit losses of $103 million, which increased 3% from the year-ago quarter.
HBAN’s Capital Ratios: Mixed Bag
The common equity tier 1 risk-based capital ratio was 10.5% in the second quarter, up from 10.4% in the year-ago period.
The regulatory Tier 1 risk-based capital ratio was 11.8%, down from 12.1% in the comparable period in 2024.
The tangible common equity to tangible assets ratio in the second quarter was 6.6%, which increased from 6% in the year-ago quarter.
Our View on HBAN
Huntington’s inorganic expansion moves are likely to bolster its revenue growth in the near term. Also, its efforts to expand its commercial banking capabilities and enhance its footprint in key growth markets, North Carolina and South Carolina and Texas, will support its financials in the long run. However, rising expenses and provisions are a concern for Huntington.
Huntington Bancshares Incorporated Price, Consensus and EPS Surprise
Currently, Huntington carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Banks
Synovus Financial Corp. SNV reported second-quarter 2025 adjusted EPS of $1.48, which surpassed the Zacks Consensus Estimate of $1.25. This compares favorably with the earnings of $1.16 per share a year ago. (Find the latest EPS estimates and surprises on Zacks Earnings Calendar.)
SNV’s results benefited from strong year-over-year growth in NII and non-interest revenues, along with a fall in provisions for credit losses. Also, improving loan balances were a tailwind. An increase in expenses, however, was a major headwind.
First Horizon Corporation’s FHN second-quarter 2025 adjusted EPS (excluding notable items) of 45 cents surpassed the Zacks Consensus Estimate of 41 cents. This compares favorably with 36 cents in the year-ago quarter.
FHN’s results benefited from a rise in NII and non-interest income, along with a decline in expenses. Also, lower provisions and a rise in loans and deposit balances were other positives.
5 Stocks Set to Double
Each was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They include
Stock #1: A Disruptive Force with Notable Growth and Resilience
Stock #2: Bullish Signs Signaling to Buy the Dip
Stock #3: One of the Most Compelling Investments in the Market
Stock #4: Leader In a Red-Hot Industry Poised for Growth
Stock #5: Modern Omni-Channel Platform Coiled to Spring
Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.
Download Atomic Opportunity: Nuclear Energy's Comeback free today.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Huntington Q2 Earnings Match Estimates, NII Rises Y/Y, Fee Income Down

Comerica Incorporated CMA has reported second-quarter 2025 adjusted earnings per share (EPS) of $1.42, beating the Zacks Consensus Estimate of $1.23. In the prior-year quarter, the company reported an EPS of $1.53.
Results benefited from a rise in net interest income (NII) and loan balance. Yet, lower deposit balances, decline in non-interest income and weak asset quality were concerning.
Net income attributable to common shareholders (GAAP basis) was $187 million, which declined 6.5% from the year-ago quarter.
Comerica's Revenues & Expenses Rise
Total quarterly revenues were $849 million, up 3% year over year. The top line surpassed the consensus estimate by 0.5%.
Quarterly NII rose 7.9% on a year-over-year basis to $575 million. The net interest margin increased 30 basis points year over year to 3.16%.
Total non-interest income was $274 million, down 5.8% on a year-over-year basis.
Non-interest expenses totaled $561 million, up 1.1% year over year. The rise was primarily due to an increase in Salaries and benefits expense and Occupancy expense.
The efficiency ratio was 65.78% compared with the prior-year quarter’s 67.77%. A fall in this ratio indicates increased profitability.
CMA’s Loans Balance Rise & Deposit Declines
As of June 30, 2025, total loans rose 2.5% on a sequential basis to $51.2 billion. Total deposits declined 2.4% from the previous quarter to $60 billion.
Comerica's Credit Quality Deteriorates
The company recorded a provision for credit loss of $44 million in the second quarter compared with no provision in the year-ago quarter.
The allowance for credit losses was $735 million, which rose 2.5% year over year.
Total non-performing assets rose 10.2% year over year to $249 million.
The allowance for credit losses to total loans ratio was 1.44% as of June 30, 2025, up from 1.38% as of June 30, 2024. Also, the company recorded net charge-offs of $28 million, significantly up from $11 million recorded in the year-ago quarter.
CMA's Capital Position Mixed Bag
The total capital ratio was 13.74%, down from 14.02% in the year-ago quarter. The Common Equity Tier 1 capital ratio was 11.94%, up from 11.55% in the prior-year quarter.
As of June 30, 2025, CMA's tangible common equity ratio was 8.04%, up from 6.49% in the prior-year quarter.
Comerica’s Capital Distribution Activities
The company repurchased $100 million of common stock under the share repurchase program.
Our View on CMA
The company’s decent capital position will aid capital distribution activities in the upcoming period, boosting investor confidence in the stock. Its focus on improving operational efficiency will support financials. The rise in NII looks encouraging. However, weak asset quality and a rise in expenses remain near-term concerns.
Comerica Incorporated Price, Consensus and EPS Surprise
Currently, Comerica carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Banks
Synovus Financial Corp. SNV reported second-quarter 2025 adjusted earnings per share of $1.48, which surpassed the Zacks Consensus Estimate of $1.25. This compares favorably with the earnings of $1.16 per share a year ago. (Find the latest EPS estimates and surprises on Zacks Earnings Calendar.)
SNV’s results benefited from strong year-over-year growth in NII and non-interest revenues, along with a fall in provisions for credit losses. Also, improving loan balances were a tailwind. An increase in expenses, however, was a major headwind.
First Horizon Corporation’s FHN second-quarter 2025 adjusted earnings per share (excluding notable items) of 45 cents surpassed the Zacks Consensus Estimate of 41 cents. This compares favorably with 36 cents in the year-ago quarter.
FHN’s results benefited from a rise in NII and non-interest income, along with a decline in expenses. Also, lower provisions and a rise in loans and deposit balances were other positives.
5 Stocks Set to Double
Each was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They include
Stock #1: A Disruptive Force with Notable Growth and Resilience
Stock #2: Bullish Signs Signaling to Buy the Dip
Stock #3: One of the Most Compelling Investments in the Market
Stock #4: Leader In a Red-Hot Industry Poised for Growth
Stock #5: Modern Omni-Channel Platform Coiled to Spring
Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.
Download Atomic Opportunity: Nuclear Energy's Comeback free today.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Comerica Q2 Earnings Top Estimates on Strength in NII & Loan Growth

First Horizon Corporation’s FHN second-quarter 2025 adjusted earnings per share (excluding notable items) of 45 cents surpassed the Zacks Consensus Estimate of 41 cents. This compares favorably with 36 cents in the year-ago quarter.
Results benefited from a rise in net interest income (NII) and non-interest income, along with a decline in expenses. Also, lower provisions and a rise in loans and deposit balances were other positives.
Net income available to its common shareholders (GAAP basis) was $233 million, up 27% year over year.
FHN’s Revenues Rise, Expenses Decline
Total quarterly revenues were $830 million, which rose 1.8% year over year. Also, the top line missed the Zacks Consensus Estimate by 0.9%.
NII increased nearly 2% year over year to $641 million. Additionally, the net interest margin increased 2 basis points from the prior-year quarter to 3.40%.
Non-interest income was $189 million, up 1.6% from the year-ago level.
Non-interest expenses decreased 1.8% year over year to $491 million. The fall was due to a decline in almost all cost components, except for occupancy and equipment costs, and salary and benefits.
The efficiency ratio was 59.20%, down from the year-ago period’s 61.44%. A fall in the efficiency ratio indicates a rise in profitability.
FHN’s Loans & Deposits Balances Increase
Total period-end loans and leases, net of unearned income, were $63.3 billion, which increased 1.7% from the end of the previous quarter. Total period-end deposits of $65.6 billion rose 2.1%.
FHN’s Credit Quality: Mixed Bag
Non-performing loans and leases of $593 million increased 3.3% from the prior-year period.
As of June 30, 2025, the ratio of total allowance for loans and lease losses to loans and leases was 1.29%, down from 1.31% in the prior-year quarter. The allowance for loan and lease losses of $814 million fell 0.8% from the year-ago period.
First Horizon witnessed net charge-offs of $34 million, which remained relatively flat on a year-over-year basis. Moreover, the provision for credit losses was $30 million, which plunged 45% from the year-earlier quarter.
FHN’s Capital Ratios Stable
As of June 30, 2025, the Common Equity Tier 1 ratio of 11% was stable compared with the year-ago quarter.
The total capital ratio was 14%, the same as the year-ago quarter level. The tier 1 leverage ratio was 10.6%, stable compared with the year-ago quarter level.
Our Viewpoint on FHN
First Horizon benefited from an increase in NII and reduced expenses. Also, a rise in loan and deposit balances is encouraging.
First Horizon Corporation Price, Consensus and EPS Surprise
FHN currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Earnings Dates & Expectations of Bank Stocks
Fifth Third Bancorp FITB is scheduled to release second-quarter 2025 earnings on July 17.
The consensus estimate for FITB’s quarterly earnings has been unchanged at 87 cents per share over the past seven days. (Find the latest EPS estimates and surprises on Zacks Earnings Calendar.)
Huntington Bancshares Inc. HBAN is slated to report second-quarter 2025 results on July 18.
Over the past seven days, the Zacks Consensus Estimate for HBAN’s quarterly earnings has been revised 8.6% upward to 38 cents per share.
Zacks' Research Chief Picks Stock Most Likely to "At Least Double"
Our experts have revealed their Top 5 recommendations with money-doubling potential – and Director of Research Sheraz Mian believes one is superior to the others. Of course, all our picks aren’t winners but this one could far surpass earlier recommendations like Hims & Hers Health, which shot up +209%.
See Our Top Stock to Double (Plus 4 Runners Up) >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

First Horizon Q2 Earnings Top Estimates as NII Rises, Expenses Decline

Regions Financial Corporation RF is scheduled to report second-quarter 2025 results on July 18, before the opening bell. Quarterly earnings and revenues are expected to have registered year-over-year growth in the to-be-reported quarter.
This Birmingham, AL-based player’s first-quarter 2025 earnings beat the Zacks Consensus Estimate, driven by a decline in non-interest expenses and an increase in non-interest income and net interest income (NII). However, a lower loan balance was concerning.
Regions Financial has an impressive earnings surprise history. Its earnings have surpassed estimates in each of the trailing four quarters, with an average surprise of 6.71%.
Regions Financial Corporation Price and EPS Surprise
The Zacks Consensus Estimate for second-quarter earnings of 56 cents per share has remained unchanged over the past seven days. The figure indicates a 7.7% rise from the year-ago reported number.
The consensus estimate for revenues is pegged at $1.85 billion, indicating a 7.1% increase from the prior-year reported figure.
Key Factors & Estimates for RF's Q2
NII & Loans: During the second quarter, the Federal Reserve kept interest rates steady at 4.25–4.5%, due to tariff-related uncertainty and its potential impact on the economy and inflation. As such, Regions Financial’s NII is likely to have witnessed growth, as funding/deposit costs stabilized.
Management expects NII to increase approximately 3% from first-quarter 2025 reported level. The Zacks Consensus Estimate is pegged at $1.2 billion, indicating a marginal increase on a sequential basis.
In the second quarter, the loan demand was impressive despite an uncertain macroeconomic backdrop. Per the Fed’s latest data, the demand for commercial and industrial loans was solid, while consumer loan demand was decent.
Given this, the company is likely to have witnessed improvement in average interest-earning assets in the second quarter of 2025. The Zacks Consensus Estimate of $1.39 billion for average earning assets indicates a marginal sequential increase.
Non-Interest Income: Global merger and acquisition (M&A) activities were better than expected in the second quarter of 2025. Markets stumbled in early April following Trump’s trade tariff announcement, which disrupted business sentiment. Nevertheless, as trade demand eased and policy direction became clearer, deal-making activities resumed in the last month of the quarter.
Regions Financial expects capital markets revenues to improve modestly in the second quarter of 2025 compared to the prior quarter, although they are likely to remain below the strong levels recorded in the year-ago period. The Zacks Consensus Estimate for capital markets income is pegged at $80.1 million, indicating a slight increase from the prior quarter.
Despite the central bank's interest rate cuts in 2024, mortgage rates did not decrease significantly in the second quarter. The rates fluctuated, but they remained in the mid-to-upper 6% range. As such, refinancing activities and origination volumes have not witnessed significant growth. This might have affected RF’s mortgage revenue growth to some extent in the second quarter of 2025.
The Zacks Consensus Estimate for mortgage income is pegged at $39.6 million, indicating a nearly 1% decline from the prior quarter’s reported figure.
The Zacks Consensus Estimate for card and ATM fees of $118.9 million suggests a 1.6% marginal rise on a sequential basis.
The consensus estimate for revenues of $163.1 million from service charges on deposit accounts for Regions Financial indicates a sequential increase of 1.3%.
The Zacks Consensus Estimate for wealth management income is pegged at $127.5 million, indicating a 1.2% decrease from the prior quarter’s reported number.
Overall, the Zacks Consensus Estimate for total non-interest income is pinned at $621.4 million, indicating a 5.3% sequential rise.
Expenses: RF’s expenses are expected to have been high in the quarter under discussion due to increases in salaries, employee benefit expenses, and other expenses. Although the company is implementing expense management actions, its ongoing investment in technology advancement and franchise strengthening is likely to have kept the expense base elevated.
Asset Quality: The company is likely to have set aside a substantial amount of money for potential bad loans, given the expectations of a higher interest rate backdrop for longer and tariff-related uncertainty.
The Zacks Consensus Estimate for non-performing assets is pegged at $899.1 million, indicating a 1.7% rise from the prior quarter's reported figure.
What Our Quantitative Model Predicts for RF
Our proven model predicts an earnings beat for Regions Financial this time. The combination of a positive Earnings ESP and Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Earnings ESP: Regions Financial has an Earnings ESP of +0.23%.
Zacks Rank: The company currently carries a Zacks Rank #2. Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar.
Other Bank Stocks to Consider
Here are some other bank stocks that you may want to consider, as our model shows that these have the right combination of elements to post earnings beat this time around.
The Earnings ESP for U.S. Bancorp USB is +0.17% and it carries a Zacks Rank #3 at present. The company is slated to report second-quarter 2025 results on July 17. You can see the complete list of today’s Zacks #1 Rank stocks here.
Over the past seven days, the Zacks Consensus Estimate for U.S. Bancorp’s quarterly earnings has been unchanged at $1.07.
First Horizon FHN is scheduled to announce quarterly numbers on July 16. The company has an Earnings ESP of +0.20% and a Zacks Rank #3 at present.
Quarterly earnings estimates for First Horizon have remained unchanged at 41 cents over the past week.
Only $1 to See All Zacks' Buys and Sells
We're not kidding.
Several years ago, we shocked our members by offering them 30-day access to all our picks for the total sum of only $1. No obligation to spend another cent. Thousands have taken advantage of this opportunity.
Thousands did not - they thought there must be a catch. Yes, we do have a reason. We want you to get acquainted with our portfolio services like Surprise Trader, Stocks Under $10, Technology Innovators, and more, that closed 256 positions with double- and triple-digit gains in 2024 alone.
See Stocks Now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Higher NII & Fee Income to Support Regions Financial's Q2 Earnings

(RTTNews) - First Horizon Corporation (FHN) will host a conference call at 9:30 AM ET on July 16, 2025, to discuss Q2 25 earnings results.
To access the live webcast, log on to https://ir.firsthorizon.com/events-and-presentations/Investor-Events--Presentations
To listen to the call, dial 1-833-470-1428 (U.S.) or 404-975-4839 (International), access code 804399.
For a replay call, dial 1-866-813-9403 (US); access code 939343.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

First Horizon Q2 25 Earnings Conference Call At 9:30 AM ET

The following companies are expected to report earnings prior to market open on 07/16/2025. Visit our Earnings Calendar for a full list of expected earnings releases.
Johnson & Johnson (JNJ)is reporting for the quarter ending June 30, 2025. The large cap pharmaceutical company's consensus earnings per share forecast from the 8 analysts that follow the stock is $2.66. This value represents a 5.67% decrease compared to the same quarter last year. In the past year JNJ has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 7.78%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for JNJ is 14.74 vs. an industry ratio of 15.40.
Bank of America Corporation (BAC)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 10 analysts that follow the stock is $0.86. This value represents a 3.61% increase compared to the same quarter last year. In the past year BAC has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 11.11%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for BAC is 12.83 vs. an industry ratio of 22.10.
ASML Holding N.V. (ASML)is reporting for the quarter ending June 30, 2025. The capital goods company's consensus earnings per share forecast from the 4 analysts that follow the stock is $5.94. This value represents a 37.50% increase compared to the same quarter last year. In the past year ASML has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 3.1%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for ASML is 29.36 vs. an industry ratio of 32.20.
Morgan Stanley (MS)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 7 analysts that follow the stock is $1.93. This value represents a 6.04% increase compared to the same quarter last year. In the past year MS has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 16.59%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for MS is 16.90 vs. an industry ratio of 22.10.
Goldman Sachs Group, Inc. (GS)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 7 analysts that follow the stock is $9.43. This value represents a 9.40% increase compared to the same quarter last year. In the past year GS has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 11.09%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for GS is 16.15 vs. an industry ratio of 22.10.
Progressive Corporation (PGR)is reporting for the quarter ending June 30, 2025. The insurance (property & casualty) company's consensus earnings per share forecast from the 10 analysts that follow the stock is $4.30. This value represents a 62.26% increase compared to the same quarter last year. PGR missed the consensus earnings per share in the 1st calendar quarter of 2025 by -1.48%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PGR is 14.87 vs. an industry ratio of 10.80, implying that they will have a higher earnings growth than their competitors in the same industry.
Prologis, Inc. (PLD)is reporting for the quarter ending June 30, 2025. The reit company's consensus earnings per share forecast from the 7 analysts that follow the stock is $1.41. This value represents a 5.22% increase compared to the same quarter last year. In the past year PLD has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 2.9%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PLD is 19.18 vs. an industry ratio of 12.40, implying that they will have a higher earnings growth than their competitors in the same industry.
PNC Financial Services Group, Inc. (PNC)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 10 analysts that follow the stock is $3.56. This value represents a 7.88% increase compared to the same quarter last year. In the past year PNC has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 3.24%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PNC is 13.07 vs. an industry ratio of 22.10.
M&T Bank Corporation (MTB)is reporting for the quarter ending June 30, 2025. The bank company's consensus earnings per share forecast from the 8 analysts that follow the stock is $4.04. This value represents a 6.60% increase compared to the same quarter last year. MTB missed the consensus earnings per share in the 1st calendar quarter of 2025 by -0.88%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for MTB is 12.53 vs. an industry ratio of 12.50, implying that they will have a higher earnings growth than their competitors in the same industry.
First Horizon Corporation (FHN)is reporting for the quarter ending June 30, 2025. The bank (southwest) company's consensus earnings per share forecast from the 6 analysts that follow the stock is $0.41. This value represents a 13.89% increase compared to the same quarter last year. FHN missed the consensus earnings per share in the 2nd calendar quarter of 2024 by -2.7%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for FHN is 12.85 vs. an industry ratio of 14.60.
Commerce Bancshares, Inc. (CBSH)is reporting for the quarter ending June 30, 2025. The bank (midwest) company's consensus earnings per share forecast from the 6 analysts that follow the stock is $1.02. This value represents a 4.67% decrease compared to the same quarter last year. In the past year CBSH has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 5.38%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for CBSH is 16.20 vs. an industry ratio of 11.40, implying that they will have a higher earnings growth than their competitors in the same industry.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

First Horizon Corporation

Price history and volume

Shares 360

Investment risk — high

Investment potential — high

Security parameters