FHN vs. RF: First Horizon vs. Regions Financial Stock Comparison
How do First Horizon (FHN) and Regions Financial (RF) 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
First Horizon (FHN) and Regions Financial (RF) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | FHN | RF |
|---|---|---|
| Name | First Horizon Corporation | Regions Financial Corp. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Regional Banks |
| Market Capitalization | 10.85 billion USD | 24.06 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FHN | RF |
|---|---|---|
| Total Return (1Y) | 12.96% | 22.28% |
| Total Return (3Y, Annualized) | 32.94% | 30.40% |
| Total Return (5Y, Annualized) | 10.16% | 8.09% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FHN | RF |
|---|---|---|
| Volatility (1Y, Annualized) | 22.55% | 23.37% |
| Beta (5Y) | 0.61 | 1.00 |
| Max Drawdown (5Y) | -60.76% | -40.99% |
| Avg. Volume (3M) | 5.55M | 9.26M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FHN | RF |
|---|---|---|
| Sharpe Ratio (1Y) | 0.38 | 0.77 |
| Sortino Ratio (1Y) | 0.56 | 1.11 |
Profitability
ROE (TTM)
Regions Financial (RF) at 12.38% 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.
FHN
Banks industry group
7.92%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- FHN
- 7.92%
- Min
- 3.64%
RF
Banks industry group
12.38%
- Max
- 19.84%
- Q3
- 13.67%
- RF
- 12.38%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Regions Financial (RF) at 31.29% keeps about the industry-typical share of revenue as profit, while First Horizon (FHN) at 23.43% retains only a bottom-quartile share.
FHN
Banks industry group
23.43%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FHN
- 23.43%
- Min
- 14.93%
RF
Banks industry group
31.29%
- Max
- 47.19%
- Q3
- 35.25%
- RF
- 31.29%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for First Horizon (FHN) in Banks and Regions Financial (RF) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | FHN | RF |
|---|---|---|
| ROE (TTM) | 7.92% | 12.38% |
| ROA (TTM) | 0.87% | 1.42% |
| Net Margin (TTM) | 23.43% | 31.29% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both First Horizon (FHN) at 7.33% and Regions Financial (RF) at 6.25% 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 Regions Financial (RF) at 19.17% is closer to the peer norm — faster per-share earnings growth for FHN.
Growth Metrics
| Metric | FHN | RF |
|---|---|---|
| Revenue Growth (YoY) | 7.33% | 6.25% |
| Revenue Growth (3Y CAGR) | 2.12% | 1.65% |
| EPS Growth (YoY) | 37.50% | 19.17% |
| EPS Growth (3Y CAGR) | 6.92% | 0.29% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: First Horizon (FHN) in Banks and Regions Financial (RF) 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: First Horizon (FHN) in Banks and Regions Financial (RF) 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 | FHN | RF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Regions Financial (RF) at 3.85% delivers top-quartile income for its industry, while First Horizon (FHN) at 2.85% pays a more typical yield — both are credible income propositions, RF the richer one.
FHN
Banks industry group
2.85%
- Max
- 5.79%
- Q3
- 3.18%
- FHN
- 2.85%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
RF
Banks industry group
3.85%
- Max
- 5.79%
- RF
- 3.85%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both First Horizon (FHN) at 47.48% and Regions Financial (RF) at 43.27% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
FHN
Banks industry group
47.48%
- Max
- 70.75%
- FHN
- 47.48%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
RF
Banks industry group
43.27%
- Max
- 70.75%
- RF
- 43.27%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | FHN | RF |
|---|---|---|
| Dividend Yield (TTM) | 2.85% | 3.85% |
| Dividend Payout Ratio (TTM) | 47.48% | 43.27% |
Valuation
P/E Ratio (TTM)
Regions Financial (RF) at 11.10 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.
FHN
Banks industry group
16.58
- Max
- 18.16
- FHN
- 16.58
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
RF
Banks industry group
11.10
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- RF
- 11.10
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both First Horizon (FHN) in Banks and Regions Financial (RF) 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 First Horizon (FHN) at 1.34 and Regions Financial (RF) at 1.46 are valued close to their industries’ norm against book — neither stands out from peers.
FHN
Banks industry group
1.34
- Max
- 2.28
- Q3
- 1.58
- FHN
- 1.34
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
RF
Banks industry group
1.46
- Max
- 2.28
- Q3
- 1.58
- RF
- 1.46
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | FHN | RF |
|---|---|---|
| P/E Ratio (TTM) | 16.58 | 11.10 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.34 | 1.46 |
| Free Cash Flow Yield (TTM) | -- | -- |