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First Horizon Corporation (FHN) Options Positioning, Max Pain & Unusual Sweeps

$23.64 +1.59% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.66

First Horizon Corporation (FHN) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $11.02B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FHN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, First Horizon Corporation (NYSE: FHN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $23.64 (+1.59% 1D, market cap $11.02B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FHN ranks #449 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FHN compare to ALLY and WTFC in the Financials sector?
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Within the Financials sector (Major Banks), FHN carries a Roarable D+ (58/100 RQD), trailing P/E of 11.4x, gross margin of —, and ROIC of 3.1%. By comparison, ALLY (Ally Financial Inc.) holds a D+ grade (58/100 RQD, P/E 14.2x, ROIC 4.1%, cap $11.61B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, FHN leads on earnings multiple (11.4x) while ALLY leads on capital efficiency (4.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FHN?
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Per FHN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000036966), First Horizon Corporation generated $3.42B in revenue (+7.2% YoY), $982.0M in net income, and $595.0M in free cash flow against $83.88B in total assets and $33.63B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $23.66 (+0.10%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 17.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C-
Cash (8)Whales (9)SEC (15)Macro (9)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$28 Bull$24 Base$18 Bear
📬 FREE FHN RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FHN)Realized 20D OHLCV Swing Band: ±4.2%
Deterministic 5-Pillar Attribution (58/100 Composite)
🔍 WHY FHN SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 33.9% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
50
Grade C-$22.67+2.3% Next Q
Q2 (-2Q)
53
Grade C-$23.20+0% Next Q
Q3 (-1Q)
55
Grade C$23.21+1.9% Next Q
Current
58
Grade D+$23.64+0% Hist 90D α
Trajectory: C- (50) → D+ (58)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FHN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, FHN faces multiple-compression risk if 11.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($23.64) or 200D SMA ($24.29) invalidates the momentum regime and cuts Target Base ($23.64) toward Bear Floor ($18.44).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FHN• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FHN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±4.2%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FHN)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FHN.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FHN)

  • ✓Walkthrough of FHN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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FHN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.02%⚡ TESTING RESISTANCE
2026-11-03O $23.66H $23.66L $23.27C $23.64VOL 5.86M
RES: $23.66SUP: $21.61SMA50: $23.64SMA200: $24.29
$26.72$25.51$24.30$23.09$21.87RES $23.66SUP $21.61$23.642026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FHN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FHN Butterfly Map → + Track FHN →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
1.5%/yr Implied 5Y Growth

vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FHN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FHN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FHN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FHN)

Financials Rank #449 of 1097 ⚔️ ALLY vs FHN Full Matrix →

1. Head-to-Head Financials Peer Comparison (FHN vs. ALLY, WTFC, UMBF, SSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First Horizon Corporation (FHN) ranks #449 by composite RQD confidence (58/100, grade D+) and #175 by equity capitalization ($11.02B). Within this direct 5-issuer industry benchmark cohort, FHN leads on earnings valuation at 11.4x trailing P/E, while ALLY leads on capital efficiency and profitability with 4.1% ROIC and — gross margin. WTFC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with FHN at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FHN ACTIVE
First Horizon Corporation
D+ 58/100 11.4x — 3.1% +1.59% $11.02B Benchmark Subject
ALLY
Ally Financial Inc.
D+ 58/100 14.2x — 4.1% +1.15% $11.61B /ally-vs-fhn →
WTFC
Wintrust Financial Corporation
B- 70/100 12.6x — 3.1% +3.29% $10.28B /wtfc-vs-fhn →
UMBF
UMB Financial Corporation
C+ 67/100 14.7x — 2.5% +2.22% $10.21B /umbf-vs-fhn →
SSB
SouthState Bank Corporation
C- 60/100 12.9x — 3.0% +1.75% $10.20B /ssb-vs-fhn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000036966 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Horizon Corporation (FHN) reported GAAP revenue of $3.42B (+7.2% vs. FY2024 revenue of $3.19B , and -1.4% cumulative change since FY2023) , GAAP net income of $982.0M, operating cash flow of $628.0M, and free cash flow of $595.0M (-51.4% YoY). On the balance sheet, FHN closed FY2025 with $83.88B in total assets against $33.63B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $3.42B $982.0M $628.0M $595.0M $83.88B $33.63B
FY2024 (FY) 2024-12-31 $3.19B $775.0M $1.27B $1.22B $82.15B $32.87B
FY2023 (FY) 2023-12-31 $3.47B $897.0M $1.30B $1.14B $6.17B $1.44B

3. FHN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FHN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, First Horizon Corporation (NYSE: FHN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $23.64 (+1.59% 1D, market cap $11.02B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FHN ranks #449 in composite RQD confidence.

How does FHN compare to ALLY and WTFC in the Financials sector?

Within the Financials sector (Major Banks), FHN carries a Roarable D+ (58/100 RQD), trailing P/E of 11.4x, gross margin of —, and ROIC of 3.1%. By comparison, ALLY (Ally Financial Inc.) holds a D+ grade (58/100 RQD, P/E 14.2x, ROIC 4.1%, cap $11.61B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, FHN leads on earnings multiple (11.4x) while ALLY leads on capital efficiency (4.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FHN?

Per FHN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000036966), First Horizon Corporation generated $3.42B in revenue (+7.2% YoY), $982.0M in net income, and $595.0M in free cash flow against $83.88B in total assets and $33.63B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FHN trading relative to its 50-day, 200-day, and 52-week technical levels?

FHN last traded at $23.64 (+1.59% on volume of 6,723,379 shares), positioning the stock 0.00% above its 50-day simple moving average ($23.64) and -2.68% below its 200-day simple moving average ($24.29). Across its 52-week range of $20.40 to $26.56, FHN sits at the 52.6% percentile with a 14-day RSI of 47.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($22.65 to $24.63).

Direct Sub-Reports: FHN RQD Cockpit FHN 12M Forecast FHN Earnings & Move FHN Dividends & DRIP FHN Insiders & 13F FHN Whale Options FHN Profit Sankey FHN News & Why
ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

FHN — First Horizon Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Horizon Corporation (FHN) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $23.64 (+1.59% 1D, market capitalization $11.02B).

  • Fundamental Cash Engine (8/20): Anchored by return on invested capital (ROIC) of 3.1%, gross margin of —, operating margin of 35.0%, and free cash flow yield of 5.31%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (15/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

First Horizon Corporation (FHN) is a NYSE-listed issuer classified in the Financials sector and the Major Banks industry. —: specific product lines, customer segments, and revenue-generation mechanics beyond the sector and industry classification.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Horizon Corporation (FHN) reported $3.42B in annual revenue (up from $3.19B in FY2024, +7.2% YoY) and $982.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($3.47B revenue, $897.0M net income) through FY2025, FHN scaled operating cash flow to $628.0M and free cash flow to $595.0M, backed by $83.88B in total assets against $33.63B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 58/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 8/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $20.40 – $26.56 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 11.4x trailing P/E and 26.5x EV/EBITDA against 35.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies: — Sector correlations beyond the Financials / Major Banks classification: — Second-order bottlenecks: — The rating's macro-regime pillar (beta 1, sector sensitivity) is the only available indicator of how FHN may transmit or absorb sector-level shocks.

  • Key Question #1: Can FHN sustain or expand its 35.0% operating margin and 3.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $3.42B and free cash flow of $595.0M, how will capital allocation balance growth reinvestment against $33.63B in total debt?
  • Key Question #3: How sensitive is FHN's 10.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FHN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Horizon Corporation (FHN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FHN Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FHN Bull vs. Bear Conversation Board — What's Your Call at $23.64?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FHN 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FHN:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $30.02 (+29.0%)
📌 Pinned Debate

Insider conviction (17 / 20) and a sound forensic balance sheet (Altman Z 2.5, Piotroski F 7/9) support the case for FHN despite a neut

The street is overcomplicating First Horizon Corporation (FHN). Insider conviction (17 / 20) and a sound forensic balance sheet (Altman Z 2.5, Piotroski F 7/9) support the case for FHN despite a neutral composite rating.. With an RQD score of 58/100 (D+) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $25.13.

VolSurface_Trader 🐂 BULL

@MeanReversion_88 Shorting a 9/20 institutional whale-flow stock at $23.27 is dangerous when funds are rotating into Financials.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $18.62 (-20.0%)
Spot @ $23.27

ROIC of 3.1% and an EV/EBITDA of 26.5 signal weak capital efficiency and an elevated valuation on enterprise-value terms.

I respect the product at First Horizon Corporation, but the stock at $23.27 is a different story. ROIC of 3.1% and an EV/EBITDA of 26.5 signal weak capital efficiency and an elevated valuation on enterprise-value terms.. FCF yield is 5.31% and RQD sits at 58/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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