{"schema_version":"secwatch.filing_event.v1","accession":"0000036966-23-000108","form_type":"8-K","ticker":"FHN","cik":"0000036966","company_name":"FIRST HORIZON CORP","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.672165+00:00","generated_at":"2026-06-09T22:07:11.036206+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Horizon Q3 adjusted EPS $0.27, down 31% QoQ; $72M charge-off hits credit","bullets":["GAAP diluted EPS $0.23; adjusted EPS $0.27 vs $0.39 in 2Q23.","Net interest income (FTE) $609M, down 4% QoQ; NIM 3.17%, -21bps.","Provision $110M includes $72M idiosyncratic C&I charge-off; ACL coverage 1.36%.","Period-end deposits $67.0B (+2% QoQ); loans $61.8B (+1% period-end).","CET1 ratio 11.1%; TBV per share $11.22."],"urls":{"canonical":"https://secwatch.observer/filing/0000036966-23-000108","json":"https://secwatch.observer/filing/0000036966-23-000108.json","markdown":"https://secwatch.observer/filing/0000036966-23-000108.md","text":"https://secwatch.observer/filing/0000036966-23-000108.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36966/000003696623000108/0000036966-23-000108-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36966/000003696623000108/fhn-20231018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T22:07:11.036206+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"4cd72f2cd4ea82fe1806a2e728b617dc55da24be","claim":"FIRST HORIZON CORP reported 3Q23 results: revenue 778, net income 129, EPS 0.23.","evidence_excerpt":"Reported Results 3Q23 Change vs. 3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 Net interest income $ 605 $ 631 $ 688 $ 709 $ 662 $ (26) (4) % $ (57) (9) % Fee income 173 400 171 174 213 (227) (57) % (40) (19) % Total revenue 778 1,031 859 882 875 (253) (25) % (97) (11) % Expense 474 555 478 503 468 (81) (15) % 6 1 % Pre-provision net revenue (PPNR) 304 475 381 379 406 (171) (36) % (102) (25) % Provision for credit losses 110 50 50 45 60 60 120 % 50 83 % Pre-tax income 194 425 331 334 346 (231) (54) % (152) (44) % Income tax expense 52 96 75 64 78 (44) (46) % (26) (33) % Net income 142 329 256 270 268 (187) (57) % (126) (47) % Non-controlling interest 5 5 4 4 3 — — % 2 67 % Preferred dividends 8 8 8 8 8 — — % — — % Net income available to common shareholders (NIAC) $ 129 $ 317 $ 243 $ 258 $ 257 $ (188) (59) % $ (128) (50) % Diluted EPS $ 0.23 $ 0.56 $ 0.43 $ 0.45 $ 0.45 $ (0.33) (59) % $ (0.22) (49) % Average diluted shares outstanding2 561 561 572 572 570 — — % (9) (2) % ROCE 6.3 % 16.4 % 13.3 %","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36966/000003696623000108/0000036966-23-000108-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"3Q23"},{"label":"Revenue","value":"778"},{"label":"Net income","value":"129"},{"label":"EPS","value":"0.23"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}