First Horizon Corporation (FHN) Q4 2025 Earnings Call Transcript

Conference Call Participants

Casey Haire – Autonomous Research Limited
Ryan Nash – Goldman Sachs Group, Inc., Research Division
John Pancari – Evercore ISI Institutional Equities, Research Division
Bernard Von Gizycki – Deutsche Bank AG, Research Division
Jared David Shaw – Barclays Bank PLC, Research Division
David Chiaverini – Jefferies LLC, Research Division
Peter Winter – D.A. Davidson & Co., Research Division
Michael Rose – Raymond James & Associates, Inc., Research Division
Jon Arfstrom – RBC Capital Markets, Research Division
Andrew Steven Leischner – Keefe, Bruyette, & Woods, Inc., Research Division
Christopher Marinac – Janney Montgomery Scott LLC, Research Division
Sun Young Lee – TD Cowen, Research Division
Anthony Elian – JPMorgan Chase & Co, Research Division
Timur Braziler – Wells Fargo Securities, LLC, Research Division

Presentation

Operator

Hello, everyone, and thank you for joining the First Horizon Fourth Quarter 2025 Earnings Conference Call. My name is Lucy, and I’ll be coordinating your call today. [Operator Instructions]

It is now my pleasure to hand over to your host, Tyler Craft, Head of Investor Relations to begin. Please go ahead.

Tyler Craft
Head of Investor Relations

Thank you, Lucy. Good morning. Welcome to our Fourth Quarter 2025 Results Conference Call. Thank you for joining us. Today, our Chairman, President and CEO, Bryan Jordan; and Chief Financial Officer, Hope Dmuchowski, will provide prepared remarks, after which we’ll be happy to take your questions. We’re also pleased to have our Chief Credit Officer, Thomas Hung, here to assist with questions as well.

Our remarks today will reference our earnings presentation, which is available on our website at ir.firsthorizon.com. As always, I need to remind you

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