NASDAQ · STOCK
First Horizon
$25.50
52W $19.80 – $26.56
66/100
—
12.6
0.61
Explore FHN Further
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is FHN Bullish or Bearish?
Bullish.
Innellis AI committee rates First Horizon (FHN) Buy with a composite score of 66/100
, based on 6 analysts with 67% agreement.
Last updated July 20, 2026.
Executive Summary
The primary driver is revenue growing 64.2% yoy -- genuine top-line momentum. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Higher Highs / Higher Lows structure confirms bullish price action.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.064) — bearish momentum.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 20, 2026
Overall Committee Score
66/100
Agreement
67%
Analysts
6
Conviction
Moderate
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.5 is inexpensive for the broad market
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 64.2% YoY -- genuine top-line momentum
Technical Analyst
neutral
57
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2975.52)
Investment Thesis Evolution
Committee score moved marginally from 66.2 to 66.2.
- New bearish signals: 1 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
- Value Analyst: +2 bullish signal(s).
Comparing 2026-07-19 to 2026-07-20 (1 day apart).
Technical Analysis
RSI (14)
49.3
Neutral
MACD Histogram
-0.064
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$24.27
Resistance
$26.55
Bollinger %B
0.46
Inside Bands
Price vs Moving Averages
EMA 9
$25.53
Below
EMA 21
$25.40
Above
EMA 50
$24.96
Above
EMA 200
$23.66
Above
Fundamental Analysis
Valuation
100
Growth
80
Profitability
0
Financial Health
33
Cash Flow
37
Valuation
P/E Ratio
12.6×
P/B Ratio
1.33×
PEG Ratio
0.37
Dividend Yield
0.03%
52W High
$26.56
52W Low
$19.80
Quality & Growth
ROE
11.1%
ROA
1.2%
Gross Margin
73.8%
Operating Margin
29.4%
Revenue Growth YoY
—
Debt / Equity
1.45
AI Fundamental Assessment
P/E ratio of 12.6 (inexpensive relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 0.96 (tight short-term liquidity); Debt-to-equity of 1.45; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (1.86); Most recent quarter beat estimates by 2.6%; 4 consecutive earnings beats; EPS growth roughly steady (+1.9% -> +1.9% QoQ); Analyst estimates rising over recent quarters
Key Risks
- MACD histogram is negative (-0.064) — bearish momentum.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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