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First Horizon National: Business Overview, Financials & Competitive Analysis

First Horizon Corporation operates as a bank holding company for First Horizon Bank, offering commercial banking, business banking, consumer banking, and wealth management services through Regional Banking, Specialty ...

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First Horizon National OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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7/ 10Strong

Cyborg Score thesis

Well-positioned regional bank with strong analyst momentum and solid Southeast market presence, supported by diversified business...

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Industry Regional Banking & Financial Services
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 22, 2026
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First Horizon National Overview

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First Horizon Corporation operates as a bank holding company for First Horizon Bank, offering commercial banking, business banking, consumer banking, and wealth management services through Regional Banking, Specialty Banking, and Corporate segments. Tracing its origins to the First National Bank of Memphis established in 1864, First Horizon has grown through strategic acquisitions and organic expansion to serve customers across the Southeast, including Tennessee, Texas, and the Carolinas, Georgia, and Florida.

Strategic Profile

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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.

Competitive Landscape

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First Horizon competes against larger regional and super-regional banks including Zions Bancorporation, Truist Financial, and other Southeast-focused financial institutions. The company differentiates through specialized lending capabilities in healthcare, energy, and franchise finance, competing on service depth rather than pure size in the broader banking market.

Industry Context

First Horizon National operates in Regional Banking & Financial Services.

Key facts

Founded: 1864 · Headquarters: Memphis, Tennessee · Market cap: $12.46B

What the analysts stress-tested

The top findings that survived the multi-agent debate for First Horizon National.

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Zions BancorporationRegional banking with Western/Southwest focusTruist FinancialLarge Southeast-focused regional bankRegionsBankSoutheastern regional banking institution

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Industry context

First Horizon National operates in Regional Banking & Financial Services. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does First Horizon National do?+
First Horizon Corporation operates as a bank holding company for First Horizon Bank, offering commercial banking, business banking, consumer banking, and wealth management services through Regional Banking, Specialty ...
What is First Horizon National's Cyborg Score?+
First Horizon National has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are First Horizon National's main competitors?+
Named competitors include Zions Bancorporation, Truist Financial, RegionsBank. The full competitive landscape is in the AskCyborg report.
How can I get the full First Horizon National research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the First Horizon National research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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