BBVA vs. FHN: Banco Bilbao Vizcaya Argentaria vs. First Horizon Stock Comparison

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) and First Horizon (FHN) both belong to the Banks industry, though BBVA is classified under Diversified Banks while FHN falls under Regional Banks.

First Horizon (FHN) trades as ordinary local shares, while Banco Bilbao Vizcaya Argentaria (BBVA) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% sits in the top ROE quartile, while First Horizon (FHN) at 7.92% is in the bottom quartile, showing a clear gap in returns on equity.

Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62% keeps about the industry-typical share of revenue as profit, while First Horizon (FHN) at 23.43% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco Bilbao Vizcaya Argentaria (BBVA) 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

Growth

First Horizon (FHN) at 7.33% is around its peer norm for revenue growth, while Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% drops into the bottom quartile, signaling weaker demand or pricing momentum.

First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% is closer to the peer norm — faster per-share earnings growth for FHN.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) 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-to-equity ratio is set aside for both: Banco Bilbao Vizcaya Argentaria (BBVA) 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

Dividends

Banco Bilbao Vizcaya Argentaria (BBVA) at 3.80% delivers top-quartile income for its industry, while First Horizon (FHN) at 2.85% pays a more typical yield — both are credible income propositions, BBVA the richer one.

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% and First Horizon (FHN) at 47.48% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 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.

P/S ratio is set aside for both Banco Bilbao Vizcaya Argentaria (BBVA) 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.

First Horizon (FHN) at 1.34 is valued about in line with its industry on P/B ratio, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 carries an above-peer premium to book — BBVA is pricier on assets.

Valuation Metrics