FHN vs. RF

Last updated Apr 1, 2026

Compare and contrast key facts about First Horizon Corporation (FHN) and Regions Financial Corporation (RF).

Performance

FHN vs. RF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in First Horizon Corporation (FHN) and Regions Financial Corporation (RF). The values are adjusted to include any dividend payments, if applicable.

FHN vs. RF - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FHN First Horizon Corporation	-4.03%	22.12%	47.68%	-39.44%	53.94%	32.61%	-18.45%	30.48%	-32.35%	1.93%
RF Regions Financial Corporation	-2.69%	21.99%	27.00%	-5.69%	2.33%	39.39%	-1.61%	33.35%	-20.59%	22.95%

Fundamentals

Market Cap FHN : $11.29B RF : $22.99B
EPS FHN : $1.94 RF : $2.42
PE Ratio FHN : 11.74 RF : 10.80
PS Ratio FHN : 2.54 RF : 2.42
PB Ratio FHN : 1.33 RF : 1.30
Total Revenue (TTM) FHN : $4.54B RF : $9.61B
Gross Profit (TTM) FHN : $3.28B RF : $7.17B
EBITDA (TTM) FHN : $1.34B RF : $2.81B

Returns By Period

In the year-to-date period, FHN achieves a -4.03% return, which is significantly lower than RF's -2.69% return. Over the past 10 years, FHN has underperformed RF with an annualized return of 9.28%, while RF has yielded a comparatively higher 17.02% annualized return.

FHN

• 1D: 3.22%
• 1M: -3.59%
• YTD: -4.03%
• 6M: 2.08%
• 1Y: 20.55%
• 3Y*: 12.68%
• 5Y*: 9.47%
• 10Y*: 9.28%

RF

• 1D: 3.49%
• 1M: -5.24%
• YTD: -2.69%
• 6M: 1.06%
• 1Y: 25.29%
• 3Y*: 17.84%
• 5Y*: 9.03%
• 10Y*: 17.02%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

FHN vs. RF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FHN

FHN Risk / Return Rank: 63
FHN Sharpe Ratio Rank: 65
FHN Sortino Ratio Rank: 56
FHN Omega Ratio Rank: 59
FHN Calmar Ratio Rank: 68
FHN Martin Ratio Rank: 69

RF

RF Risk / Return Rank: 69
RF Sharpe Ratio Rank: 71
RF Sortino Ratio Rank: 64
RF Omega Ratio Rank: 66
RF Calmar Ratio Rank: 72
RF Martin Ratio Rank: 72

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FHN vs. RF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for First Horizon Corporation (FHN) and Regions Financial Corporation (RF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	FHN	RF	Difference
Sharpe ratio Return per unit of total volatility	0.65	0.85	-0.21
Sortino ratio Return per unit of downside risk	0.99	1.28	-0.29
Omega ratio Gain probability vs. loss probability	1.15	1.19	-0.03
Calmar ratio Return relative to maximum drawdown	1.24	1.47	-0.23
Martin ratio Return relative to average drawdown	3.18	3.71	-0.52
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FHN vs. RF - Sharpe Ratio Comparison

The current FHN Sharpe Ratio is 0.65, which is comparable to the RF Sharpe Ratio of 0.85. The chart below compares the historical Sharpe Ratios of FHN and RF, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	FHN	RF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.65	0.85	-0.21
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.26	0.29	-0.03
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.24	0.47	-0.24
Sharpe Ratio (All Time) Calculated using the full available price history	0.28	0.17	+0.11

Correlation

The correlation between FHN and RF is 0.61, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

FHN vs. RF - Dividend Comparison

FHN's dividend yield for the trailing twelve months is around 2.72%, less than RF's 4.00% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FHN First Horizon Corporation	2.72%	2.51%	2.98%	4.24%	2.45%	3.67%	4.70%	3.38%	3.65%	1.80%	1.40%	1.65%
RF Regions Financial Corporation	4.00%	5.12%	4.17%	4.54%	3.43%	2.98%	3.85%	3.44%	3.44%	1.82%	1.78%	2.40%

Drawdowns

FHN vs. RF - Drawdown Comparison

The maximum FHN drawdown since its inception was -87.74%, smaller than the maximum RF drawdown of -92.65%. Use the drawdown chart below to compare losses from any high point for FHN and RF.

Drawdown Indicators

	FHN	RF	Difference
Max Drawdown Largest peak-to-trough decline	-87.74%	-92.65%	+4.91%
Max Drawdown (1Y) Largest decline over 1 year	-17.51%	-18.45%	+0.94%
Max Drawdown (5Y) Largest decline over 5 years	-60.76%	-40.99%	-19.77%
Max Drawdown (10Y) Largest decline over 10 years	-64.25%	-60.73%	-3.52%
Current Drawdown Current decline from peak	-12.56%	-14.79%	+2.23%
Average Drawdown Average peak-to-trough decline	-20.14%	-31.19%	+11.05%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.83%	7.31%	-0.48%

Volatility

FHN vs. RF - Volatility Comparison

First Horizon Corporation (FHN) has a higher volatility of 7.09% compared to Regions Financial Corporation (RF) at 6.68%. This indicates that FHN's price experiences larger fluctuations and is considered to be riskier than RF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FHN	RF	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.09%	6.68%	+0.41%
Volatility (6M) Calculated over the trailing 6-month period	21.01%	18.83%	+2.18%
Volatility (1Y) Calculated over the trailing 1-year period	31.88%	29.81%	+2.07%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	37.30%	31.63%	+5.67%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	39.01%	36.02%	+2.99%

Financials

FHN vs. RF - Profitability Comparison

The chart below illustrates the profitability comparison between First Horizon Corporation and Regions Financial Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

FHN - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, First Horizon Corporation reported a gross profit of 888.00M and revenue of 888.00M. Therefore, the gross margin over that period was 100.0%.

RF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Regions Financial Corporation reported a gross profit of 1.92B and revenue of 2.41B. Therefore, the gross margin over that period was 79.8%.

FHN - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, First Horizon Corporation reported an operating income of 343.00M and revenue of 888.00M, resulting in an operating margin of 38.6%.

RF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Regions Financial Corporation reported an operating income of 708.00M and revenue of 2.41B, resulting in an operating margin of 29.4%.

FHN - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, First Horizon Corporation reported a net income of 262.00M and revenue of 888.00M, resulting in a net margin of 29.5%.

RF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Regions Financial Corporation reported a net income of 534.00M and revenue of 2.41B, resulting in a net margin of 22.2%.