BAC vs. FHN: Bank of America vs. First Horizon Stock Comparison
How do Bank of America (BAC) and First Horizon (FHN) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Bank of America (BAC) and First Horizon (FHN) both belong to the Banks industry, though BAC is classified under Diversified Banks while FHN falls under Regional Banks.
| Profile Item | BAC | FHN |
|---|---|---|
| Name | Bank of America Corporation | First Horizon Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 341.01 billion USD | 10.85 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 21, 1973 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAC | FHN |
|---|---|---|
| Total Return (1Y) | -2.73% | 12.96% |
| Total Return (3Y, Annualized) | 25.52% | 32.94% |
| Total Return (5Y, Annualized) | 4.08% | 10.16% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAC | FHN |
|---|---|---|
| Volatility (1Y, Annualized) | 22.49% | 22.55% |
| Beta (5Y) | 1.18 | 0.61 |
| Max Drawdown (5Y) | -46.64% | -60.76% |
| Avg. Volume (3M) | 37.08M | 5.55M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAC | FHN |
|---|---|---|
| Sharpe Ratio (1Y) | -0.31 | 0.38 |
| Sortino Ratio (1Y) | -0.41 | 0.56 |
Profitability
ROE (TTM)
Bank of America (BAC) at 10.73% is around its peer norm for ROE, while First Horizon (FHN) at 7.92% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
BAC
Banks industry group
10.73%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- BAC
- 10.73%
- Q1
- 9.50%
- Min
- 3.64%
FHN
Banks industry group
7.92%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- FHN
- 7.92%
- Min
- 3.64%
Net Margin (TTM)
Bank of America (BAC) at 28.06% keeps about the industry-typical share of revenue as profit, while First Horizon (FHN) at 23.43% retains only a bottom-quartile share.
BAC
Banks industry group
28.06%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- BAC
- 28.06%
- Q1
- 27.11%
- Min
- 14.93%
FHN
Banks industry group
23.43%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FHN
- 23.43%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and First Horizon (FHN) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAC | FHN |
|---|---|---|
| ROE (TTM) | 10.73% | 7.92% |
| ROA (TTM) | 0.94% | 0.87% |
| Net Margin (TTM) | 28.06% | 23.43% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Bank of America (BAC) at 6.84% and First Horizon (FHN) at 7.33% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while Bank of America (BAC) at 18.69% is closer to the peer norm — faster per-share earnings growth for FHN.
Growth Metrics
| Metric | BAC | FHN |
|---|---|---|
| Revenue Growth (YoY) | 6.84% | 7.33% |
| Revenue Growth (3Y CAGR) | 6.00% | 2.12% |
| EPS Growth (YoY) | 18.69% | 37.50% |
| EPS Growth (3Y CAGR) | 6.10% | 6.92% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and First Horizon (FHN) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and First Horizon (FHN) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | BAC | FHN |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Bank of America (BAC) at 2.33% and First Horizon (FHN) at 2.85% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
BAC
Banks industry group
2.33%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- BAC
- 2.33%
- Q1
- 1.20%
- Min
- 0.00%
FHN
Banks industry group
2.85%
- Max
- 5.79%
- Q3
- 3.18%
- FHN
- 2.85%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Bank of America (BAC) at 27.62% pays out a band-typical share of earnings, while First Horizon (FHN) at 47.48% distributes more than its industry norm — less retained, thinner cover.
BAC
Banks industry group
27.62%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- BAC
- 27.62%
- Q1
- 18.98%
- Min
- 0.00%
FHN
Banks industry group
47.48%
- Max
- 70.75%
- FHN
- 47.48%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BAC | FHN |
|---|---|---|
| Dividend Yield (TTM) | 2.33% | 2.85% |
| Dividend Payout Ratio (TTM) | 27.62% | 47.48% |
Valuation
P/E Ratio (TTM)
Bank of America (BAC) at 11.79 is near its industry’s usual P/E ratio, while First Horizon (FHN) at 16.58 sits in the richer quartile — FHN needs stronger growth or earnings quality to justify the premium.
BAC
Banks industry group
11.79
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- BAC
- 11.79
- Q1
- 10.64
- Min
- 6.49
FHN
Banks industry group
16.58
- Max
- 18.16
- FHN
- 16.58
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Bank of America (BAC) in Banks and First Horizon (FHN) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
On P/B ratio, both Bank of America (BAC) at 1.26 and First Horizon (FHN) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.
BAC
Banks industry group
1.26
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- BAC
- 1.26
- Q1
- 1.10
- Min
- 0.59
FHN
Banks industry group
1.34
- Max
- 2.28
- Q3
- 1.58
- FHN
- 1.34
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BAC | FHN |
|---|---|---|
| P/E Ratio (TTM) | 11.79 | 16.58 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.26 | 1.34 |
| Free Cash Flow Yield (TTM) | -- | -- |