First Horizon delivered Q4 revenues of $891 million, up 8.1% year-over-year, outpacing consensus by 3.2%. The bank also exceeded net interest income forecasts and maintained growth across its commercial, consumer banking, and wealth management segments.

Shares have climbed 1.4% since the earnings release, reflecting investor confidence. While rising interest rates support net interest margins, the bank faces competitive fintech pressures and potential credit headwinds as the economic environment shifts.