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Market Price

14.36 

0.19 1.3%

as of Dec 12 '18

52 Week Range:

14.17 20.86


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First Horizon National Corporation operates as the bank holding company for First Tennessee Bank National Association that provides various financial services. It operates through four segments: Regional Banking, Fixed Income, Corporate, and Non-Strategic. The company offers general banking services for consumers, businesses, financial institutions, and governments. It also provides investment, financial planning, trust, asset management, and cash management services. In addition, the company is involved in fixed income securities sales, trading, and strategies for institutional clients; underwriting of bank-eligible securities and other fixed-income securities eligible for underwriting by financial subsidiaries; loan sales; derivative sales; and provision of advisory services. Further, it offers discount and full-service brokerage services; correspondent banking services; transaction processing services comprising nationwide check clearing and remittance processing; trust, fiduciary, and agency services; credit card products; equipment finance; and investment and financial advisory services. Additionally, the company engages in mutual fund and retail insurance sales, as well as provides mortgage banking services. As of February 27, 2018, it operated approximately 350 branches under the First Tennessee Bank and Capital Bank brands across the southeast United States. The company was founded in 1864 and is headquartered in Memphis, Tennessee.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 14.08
10.63
9.61
9.05
9.51
9.09
8.64
9.52
9.18
10.07
7.63
growth rate -24.5% -9.6% -5.8% 5.1% -4.4% -5.0% 10.2% -3.6% 9.7% -24.2%
Earnings BIT -310.84
-348.77
-420.53
49.40
149.85
-101.71
8.35
372.96
165.79
394.16
376.38
growth rate 0.0% 0.0% 100.0% 203.3% -100.0% 100.0% 4,366.5% -55.6% 137.8% -4.5%
Avg.PE -25.20
-10.80
-8.30
-58.80
17.01
-81.70
116.28
15.88
36.68
21.68
29.31
growth rate 0.0% 0.0% 0.0% 100.0% -100.0% 100.0% -86.3% 131.0% -40.9% 35.2%
ROA -0.45
-0.56
-1.15
-0.23
0.53
-0.11
0.10
0.86
0.31
0.81
0.46
growth rate 0.0% 0.0% 0.0% 100.0% -100.0% 100.0% 760.0% -64.0% 161.3% -43.2%
ROE -7.40
-8.29
-14.00
-2.52
5.50
-1.21
1.10
9.90
3.58
9.68
4.90
growth rate 0.0% 0.0% 0.0% 100.0% -100.0% 100.0% 800.0% -63.8% 170.4% -49.4%
ROIC 6.16
2.21
-2.13
0.57
4.57
0.89
1.91
6.63
growth rate -64.1% -100.0% 100.0% 701.8% -80.5% 114.6% 247.1%
Leverage 17.33
12.42
11.80
10.37
10.37
11.53
11.28
11.67
11.65
12.34
9.89
growth rate -28.3% -5.0% -12.1% 0.0% 11.2% -2.2% 3.5% -0.2% 5.9% -19.9%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 164.99
117.77
45.26
42.49
63.66
57.41
68.69
growth rate -28.6% -61.6% -6.1% 49.8% -9.8% 19.7%
Acct.Payable 164.71
110.33
21.17
18,068.94
19,967.48
22,672.36
30,620.36
growth rate -33.0% -80.8% 85,239.5% 10.5% 13.6% 35.1%
Cur.Assets 4,265.15
2,842.78
3,301.45
4,947.08
growth rate -33.4% 16.1% 49.9%
Total Assets 31,022.00
26,068.70
24,699.00
24,789.38
25,334.02
23,789.83
25,668.19
26,192.64
28,555.23
41,423.39
growth rate -16.0% -5.3% 0.4% 2.2% -6.1% 7.9% 2.0% 9.0% 45.1%
Cash 760.20
1,005.00
862.10
5,335.60
5,784.16
5,758.38
286.35
226.99
164.91
448.04
growth rate 32.2% -14.2% 518.9% 8.4% -0.5% -95.0% -20.7% -27.4% 171.7%
Inventory 39.92
33.06
16.24
43.38
growth rate -17.2% -50.9% 167.2%
Cur.Liabilities 21,370.02
21,857.92
24,341.55
35,082.97
growth rate 2.3% 11.4% 44.1%
Liabilities 27,742.50
23,061.40
22,316.10
22,399.91
23,119.98
21,584.51
23,086.60
23,553.05
25,850.15
36,842.90
growth rate -16.9% -3.2% 0.4% 3.2% -6.6% 7.0% 2.0% 9.8% 42.5%
LT Debt 6,830.00
2,008.00
2,009.00
2,010.00
347.29
766.70
522.63
1,067.22
1,059.83
1,040.66
1,210.70
growth rate -70.6% 0.1% 0.1% -82.7% 120.8% -31.8% 104.2% -0.7% -1.8% 16.3%
Equity 2,430.87
3,279.50
3,007.30
2,382.80
2,389.47
2,214.04
2,205.32
2,190.54
2,248.53
2,314.03
4,189.43
growth rate 34.9% -8.3% -20.8% 0.3% -7.3% -0.4% -0.7% 2.7% 2.9% 81.0%
Common Shares 151.00
207.00
234.00
236.00
263.00
248.00
240.00
237.00
236.00
235.00
244.00
growth rate 37.1% 13.0% 0.9% 11.4% -5.7% -3.2% -1.3% -0.4% -0.4% 3.8%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 33.54
23.70
21.20
42.60
35.41
21.86
27.35
31.40
39.95
62.55
53.05
growth rate -29.3% -10.6% 100.9% -16.9% -38.3% 25.1% 14.8% 27.2% 56.6% -15.2%
Cash Dividends 243.90
135.00
56.20
59.20
19.32
21.47
53.98
53.57
60.15
69.70
86.10
growth rate -44.7% -58.4% 5.3% -67.4% 11.1% 151.4% -0.8% 12.3% 15.9% 23.5%
Cash From OA 132.09
4,275.10
784.30
768.10
43.97
371.55
431.37
704.71
367.39
182.73
-17.36
growth rate 3,136.5% -81.7% -2.1% -94.3% 745.0% 16.1% 63.4% -47.9% -50.3% -100.0%
FCF per Share 0.53
20.50
3.26
3.08
2.13
1.41
1.45
3.65
1.24
-0.68
0.37
growth rate 3,767.9% -84.1% -5.5% -30.8% -33.8% 2.8% 151.7% -66.0% -100.0% 100.0%
Sale Purchase of Stock -124.81
-133.61
4.74
1.86
7.22
22.48
6.13
growth rate 0.0% 100.0% -60.7% 287.3% 211.4% -72.7%
FCF 80.00
4,237.00
763.00
725.00
9.00
350.00
404.00
673.00
327.00
119.00
-70.00
growth rate 5,196.3% -82.0% -5.0% -98.8% 3,788.9% 15.4% 66.6% -51.4% -63.6% -100.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 1,720.00
2,345.50
2,031.30
1,663.60
1,618.45
1,470.28
1,316.63
1,152.84
1,151.67
1,265.28
1,343.39
growth rate 36.4% -13.4% -18.1% -2.7% -9.2% -10.5% -12.4% -0.1% 9.9% 6.2%
Op.Income -328.80
-420.50
51.80
134.01
-16.44
37.82
222.11
313.35
375.75
438.19
growth rate 0.0% 100.0% 158.7% -100.0% 100.0% 487.3% 41.1% 19.9% 16.6%
IBT -326.10
-405.95
51.75
149.85
-101.71
18.43
318.23
108.25
345.32
308.87
growth rate 0.0% 100.0% 189.6% -100.0% 100.0% 1,626.5% -66.0% 219.0% -10.6%
Net Income -192.00
-269.80
50.20
134.01
-16.44
37.82
222.52
85.88
227.05
165.52
growth rate 0.0% 100.0% 167.0% -100.0% 100.0% 488.4% -61.4% 164.4% -27.1%
EPS -1.12
-0.97
-1.41
-0.25
0.50
-0.11
0.09
0.91
0.34
0.94
0.65
growth rate 0.0% 0.0% 0.0% 100.0% -100.0% 100.0% 911.1% -62.6% 176.5% -30.9%
Gross Profit 1,152.84
1,151.67
1,265.28
1,343.39
growth rate -0.1% 9.9% 6.2%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 127.91
103.42
46.68
152.07
growth rate -19.1% -54.9% 225.8%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 127.72
68.75
68.69
94.04
68.15
growth rate -46.2% -0.1% 36.9% -27.5%
Acct.Payable 22,333.35
22,099.25
30,620.36
30,818.95
30,977.87
growth rate -1.1% 38.6% 0.7% 0.5%
Cur.Assets 3,632.69
3,663.51
4,947.08
4,516.32
4,789.70
growth rate 0.9% 35.0% -8.7% 6.1%
Total Assets 29,369.96
29,622.64
41,423.39
40,463.20
41,076.80
growth rate 0.9% 39.8% -2.3% 1.5%
Cash 421.09
424.12
448.04
522.36
694.26
growth rate 0.7% 5.6% 16.6% 32.9%
Inventory 11.90
12.52
43.38
35.72
29.71
growth rate 5.2% 246.5% -17.7% -16.8%
Cur.Liabilities 25,113.66
25,252.67
35,082.97
34,170.88
34,773.34
growth rate 0.6% 38.9% -2.6% 1.8%
Liabilities 26,543.07
26,739.09
36,842.90
35,890.67
36,527.05
growth rate 0.7% 37.8% -2.6% 1.8%
LT Debt 1,033.33
1,059.51
1,210.70
1,214.97
1,227.28
growth rate 2.5% 14.3% 0.4% 1.0%
Equity 2,435.83
2,492.50
4,189.43
4,181.47
4,158.69
growth rate 2.3% 68.1% -0.2% -0.5%
Common Shares 146.34
146.40
204.21
204.50
203.13
growth rate 0.0% 39.5% 0.1% -0.7%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 11.18
9.90
22.65
18.02
7.03
growth rate -11.5% 128.9% -20.5% -61.0%
Cash Dividends 22.89
22.59
22.60
22.90
40.95
growth rate -1.3% 0.1% 1.3% 78.8%
Cash From OA -369.25
135.03
288.07
-204.38
248.26
growth rate 100.0% 113.3% -100.0% 100.0%
Sale Purchase of Stock 0.78
2.35
0.96
4.33
growth rate 202.1% -59.2% 351.2%
FCF -380.43
125.13
265.41
-222.40
241.23
growth rate 100.0% 112.1% -100.0% 100.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 329.43
335.80
371.46
437.05
437.38
growth rate 1.9% 10.6% 17.7% 0.1%
Op.Income 105.55
123.47
117.29
153.05
160.59
growth rate 17.0% -5.0% 30.5% 4.9%
IBT 112.46
85.37
25.61
124.93
105.69
growth rate -24.1% -70.0% 387.8% -15.4%
Net Income 92.35
68.89
-51.29
92.17
83.14
growth rate -25.4% -100.0% 100.0% -9.8%
EPS
growth rate
Gross Profit 329.43
335.80
371.46
437.05
437.38
growth rate 1.9% 10.6% 17.7% 0.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (4.46)

YOY Growth Grade:

F (1.63)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.55 11.55 9.26
EPS / Growth 9.8% 1.24 7.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 20.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.0% 12.4% 12.4%
Future PE 9.26 15.20 15.20
Future EPS 2.45 4.00 4.00
Value Price
MOS %
5.60
-61.0%
15.04
4.7%
15.04
4.7%
MOS Price 2.80 7.52 7.52
IRT 8.31 7.03 7.03

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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