---
schema_version: "secwatch.filing_event.v1"
accession: "0000036966-24-000090"
form_type: "8-K"
ticker: "FHN"
cik: "0000036966"
company_name: "FIRST HORIZON CORP"
filed_at: "2024-10-16T23:59:59+00:00"
generated_at: "2026-05-30T14:11:57.964508+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Horizon Q3 adjusted EPS $0.42, up 17% QoQ; ROTCE 13.2%

## Summary
- Adjusted EPS $0.42 vs $0.36 in 2Q24; GAAP EPS $0.40; NIAC $224M adjusted.
- NII stable at $631M (FTE); NIM 3.31% down 7bps; fee income up 8% to $200M.
- Deposits up 3% to $66.6B; client balances grew ~$1B; loan-to-deposit ratio improved to 94%.
- Provision for credit losses fell 36% to $35M; net charge-offs $24M, down 29% QoQ.
- Returned $75M to shareholders via buybacks; CET1 ratio 11.2%; TBV per share $13.02.

## SEC filing metadata
- accession: 0000036966-24-000090
- form_type: 8-K
- ticker: FHN
- cik: 0000036966
- company_name: FIRST HORIZON CORP
- filed_at: 2024-10-16T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36966/000003696624000090/0000036966-24-000090-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36966/000003696624000090/fhn-20241016.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000036966-24-000090
- JSON: https://secwatch.observer/filing/0000036966-24-000090.json
- Plain text: https://secwatch.observer/filing/0000036966-24-000090.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.