First Horizon reported Q4 EPS of $0.52, NIM of 3.51% and 2% loan growth, driven by $776 million mortgage company and $727 million C&I lending increases, while deposit costs fell 25 bps boosting net interest income. Management outlined 2026 revenue growth of 3–7%, flattish expenses, a $100 million PPNR uplift opportunity and a $1.2 billion buyback plan.