First Horizon National — Cyborg Score 7/10

Strong
Regional Banking & Financial Services

Strategic Profile

First Horizon operates a diversified regional banking model across multiple customer segments with specialized financing capabilities in mortgage warehouse lending, healthcare finance, and professional real estate. The company maintains a broad geographic footprint across high-growth Southeast markets, positioning it within the competitive landscape of mid-sized regional banking institutions focused on both traditional and specialized financial services.

Cyborg Score Rationale

First Horizon National currently has a Zacks Rank of #1 (Strong Buy), with strong recent momentum performance. Shares of First Horizon National have increased 18.58% over the past quarter, and have gained 18.14% in the last year. The company benefits from favorable analyst sentiment and operational momentum.

Top Insights

  • Momentum-driven recovery with stock up 18%+ YTD and outperforming regional bank peers
  • Diversified specialty banking operations including healthcare, energy, and equipment finance provide differentiated revenue streams
  • Analyst consensus remains positive with recent price target increases from major firms like Barclays and UBS
  • Large Southeast regional footprint in growth markets provides expansion and cross-sell opportunities

Named Competitors

  • Zions Bancorporation — Regional banking with Western/Southwest focus
  • Truist Financial — Large Southeast-focused regional bank
  • RegionsBank — Southeastern regional banking institution

Recent Developments

  • (January 2026) Released Q4 and full-year 2025 earnings results with conference call
  • (January 2026) Multiple analyst price target increases including Barclays to $30.00 and UBS maintaining $29.00 price target
  • (February 2026) Institutional investor LSV Asset Management reduced stake by 5.4% in Q3

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