Double-digit year-over-year percentage increases in revenue,
pre-tax income, loans and average deposits at First Tennessee Bank
were drivers of a strong second quarter at First Horizon National
Corp. (NYSE:FHN). Returns and profitability improved with
higher return on tangible common equity (ROTCE) and return on
assets (ROA). Growth in loans and deposits coupled with the Fed’s
recent interest rate increases led to a 14 percent improvement in
net interest income year over year. Credit quality trends remain
excellent.
“Our people continue to deliver a differentiated experience for
our customers, and that’s what drives our momentum,” said Bryan
Jordan, First Horizon’s chairman and CEO. “Our bankers are
expanding relationships and attracting new business in our growth
markets in Middle Tennessee and the Mid-Atlantic as well as in
established markets like East and West Tennessee. Our planned
merger with Capital Bank will help us more quickly achieve critical
financial targets, and teams from both sides are preparing us to
leverage the strengths of both banks, capitalize on growth
opportunities in attractive, high-growth Southeast markets and
enhance our strong presence in Tennessee.”
2Q17 Financial Highlights (all comparisons vs
2Q16)
Diluted EPS $0.38 |
|
Adjusted diluted EPS1 $0.27 |
|
ROA2 1.3% |
|
ROTCE1,217.3% |
|
|
|
Regional Bank |
|
-- Average
loans up 11%; average deposits up 10% -- Revenue up 11%-- Net
interest income up 13%, fee income up 6%-- Credit quality
remains excellent, with non-performing loans down 29% and net
charge-offs down 60% |
|
|
|
|
|
|
Consolidated |
|
-- Net income available to common shareholders up 61%; diluted
EPS up 58%-- Net interest income up 14%-- Average loans
up 8% and average deposits up 11%-- Adjusted EPS for second
quarter: $0.27. Notable items in the quarter were favorable
impact of $20 million from mortgage repurchase reserve release,
positive impact of $19.5 million related to an effective tax rate
adjustment associated with the reversal of a capital loss deferred
tax valuation allowance, acquisition expense of $6 million |
|
|
|
Other Highlights |
|
-- Coastal Securities acquisition by FTN Financial closed and
integrated successfully-- Acquisition of Capital Bank expected
to close in the fourth quarter will likely position First Horizon
as fourth largest regional bank in the Southeast |
|
|
|
1Non-GAAP numbers that are reconciled in the non-GAAP
table that follows 2Annualized |
|
Consolidated summary results
Quarterly,
Unaudited |
|
|
|
|
|
|
2Q17 Changes vs. |
|
(Dollars
in thousands, except per share data) |
2Q17 |
|
|
1Q17 |
|
|
2Q16 |
|
|
1Q17 |
|
2Q16 |
|
Income
Statement Highlights |
|
|
|
|
|
|
|
|
|
|
|
|
|
Net interest
income |
$ |
200,701 |
|
|
|
$ |
189,708 |
|
|
|
$ |
176,264 |
|
|
|
6 |
% |
|
14 |
% |
|
Noninterest income |
127,268 |
|
|
|
116,895 |
|
|
|
145,415 |
|
|
|
9 |
% |
|
(12 |
)% |
|
Securities gains/(losses), net |
405 |
|
|
|
44 |
|
|
|
99 |
|
|
|
NM |
|
NM |
|
Total revenue |
328,374 |
|
|
|
306,647 |
|
|
|
321,778 |
|
|
|
7 |
% |
|
2 |
% |
|
Noninterest
expense |
217,917 |
|
|
|
222,205 |
|
|
|
226,822 |
|
|
|
(2 |
)% |
|
(4 |
)% |
|
Provision
for loan losses |
(2,000 |
) |
|
|
(1,000 |
) |
|
|
4,000 |
|
|
|
NM |
|
NM |
|
Income
before income taxes |
112,457 |
|
|
|
85,442 |
|
|
|
90,956 |
|
|
|
32 |
% |
|
24 |
% |
|
Provision
for income taxes |
17,253 |
|
|
|
27,054 |
|
|
|
30,016 |
|
|
|
(36 |
)% |
|
(43 |
)% |
|
Net
income |
95,204 |
|
|
|
58,388 |
|
|
|
60,940 |
|
|
|
63 |
% |
|
56 |
% |
|
Net
income attributable to noncontrolling interest |
2,852 |
|
|
|
2,820 |
|
|
|
2,852 |
|
|
|
1 |
% |
|
* |
|
|
Net income attributable
to controlling interest |
92,352 |
|
|
|
55,568 |
|
|
|
58,088 |
|
|
|
66 |
% |
|
59 |
% |
|
Preferred
stock dividends |
1,550 |
|
|
|
1,550 |
|
|
|
1,550 |
|
|
|
* |
|
|
* |
|
|
Net
income available to common shareholders |
$ |
90,802 |
|
|
|
$ |
54,018 |
|
|
|
$ |
56,538 |
|
|
|
68 |
% |
|
61 |
% |
|
Common Stock
Data |
|
|
|
|
|
|
|
|
|
|
|
|
|
EPS |
$ |
0.39 |
|
|
|
$ |
0.23 |
|
|
|
$ |
0.24 |
|
|
|
70 |
% |
|
63 |
% |
|
Basic shares
(thousands) |
233,482 |
|
|
|
233,076 |
|
|
|
231,573 |
|
|
|
* |
|
|
1 |
% |
|
Diluted EPS |
$ |
0.38 |
|
|
|
$ |
0.23 |
|
|
|
$ |
0.24 |
|
|
|
65 |
% |
|
58 |
% |
|
Diluted shares
(thousands) |
236,263 |
|
|
|
236,855 |
|
|
|
233,576 |
|
|
|
* |
|
|
1 |
% |
|
Period-end shares
outstanding (thousands) |
234,135 |
|
|
|
233,883 |
|
|
|
232,019 |
|
|
|
* |
|
|
1 |
% |
|
Cash dividends declared
per share |
$ |
0.09 |
|
|
|
$ |
0.09 |
|
|
|
$ |
0.07 |
|
|
|
* |
|
|
29 |
% |
|
Balance Sheet Highlights (Period-End) |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total loans, net of
unearned income |
$ |
19,989,319 |
|
|
|
$ |
19,090,074 |
|
|
|
$ |
18,589,337 |
|
|
|
5 |
% |
|
8 |
% |
|
Total deposits |
22,333,349 |
|
|
|
23,479,841 |
|
|
|
20,630,177 |
|
|
|
(5 |
)% |
|
8 |
% |
|
Total assets |
29,369,956 |
|
|
|
29,618,600 |
|
|
|
27,541,070 |
|
|
|
(1 |
)% |
|
7 |
% |
|
Total liabilities |
26,543,068 |
|
|
|
26,878,140 |
|
|
|
24,849,146 |
|
|
|
(1 |
)% |
|
7 |
% |
|
Total equity |
2,826,888 |
|
|
|
2,740,460 |
|
|
|
2,691,924 |
|
|
|
3 |
% |
|
5 |
% |
|
Asset Quality Highlights |
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for loan
losses |
$ |
197,257 |
|
|
|
$ |
201,968 |
|
|
|
$ |
199,807 |
|
|
|
(2 |
)% |
|
(1 |
)% |
|
Allowance / period-end
loans |
0.99 |
|
% |
|
1.06 |
|
% |
|
1.07 |
|
% |
|
|
|
|
|
Net charge-offs |
$ |
2,711 |
|
|
|
$ |
(900 |
) |
|
|
$ |
8,227 |
|
|
|
NM |
|
(67 |
)% |
|
Net charge-offs
(annualized) / average loans |
0.06 |
|
% |
|
NM |
|
|
|
0.19 |
|
% |
|
|
|
|
|
Non-performing assets
(NPA) |
$ |
144,149 |
|
|
|
$ |
161,284 |
|
|
|
$ |
198,942 |
|
|
|
(11 |
)% |
|
(28 |
)% |
|
NPA % (a) |
0.68 |
|
% |
|
0.80 |
|
% |
|
1.03 |
|
% |
|
|
|
|
|
Key Ratios & Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
Return on average
assets ("ROA") (annualized) (b) |
1.32 |
|
% |
|
0.82 |
|
% |
|
0.91 |
|
% |
|
|
|
|
|
Return on average
common equity ("ROE") (annualized) (c) |
15.26 |
|
% |
|
9.40 |
|
% |
|
10.04 |
|
% |
|
|
|
|
|
Return on tangible
common equity ("ROTCE") (annualized) (d) |
17.30 |
|
% |
|
10.33 |
|
% |
|
11.10 |
|
% |
|
|
|
|
|
Net interest margin
(e) |
3.07 |
|
% |
|
2.92 |
|
% |
|
2.92 |
|
% |
|
|
|
|
|
Efficiency ratio
(f) |
66.44 |
|
% |
|
72.47 |
|
% |
|
70.51 |
|
% |
|
|
|
|
|
Common equity tier 1
ratio ("CET1") (g) |
9.81 |
|
% |
|
10.20 |
|
% |
|
10.05 |
|
% |
|
|
|
|
|
Tier 1 ratio (g) |
10.95 |
|
% |
|
11.35 |
|
% |
|
11.28 |
|
% |
|
|
|
|
|
Market
capitalization (millions) |
4,078.6 |
|
|
|
4,326.8 |
|
|
|
3,197.2 |
|
|
|
|
|
|
|
Certain
previously reported amounts have been reclassified to agree with
current presentation. |
|
NM - Not
meaningful |
|
* Amount
is less than one percent. |
|
(a)
NPAs related to the loan portfolio over period-end loans plus
foreclosed real estate and other assets. |
|
(b)
Calculated using net income. |
|
(c)
Calculated using net income available to common shareholders. |
|
(d)
This non-GAAP measure is reconciled to ROE in the non-GAAP to GAAP
reconciliation. |
|
(e)
Net interest margin is computed using net interest income adjusted
to a fully taxable equivalent ('FTE") basis assuming a statutory
federal income tax rate of 35 percent and, where applicable, state
income taxes. |
|
(f)
Noninterest expense divided by total revenue excluding securities
gains/(losses). |
|
(g)
Current quarter is an estimate. |
|
Use of Non-GAAP MeasuresTwo financial measures
in this release are non-GAAP, meaning they are not presented in
accordance with generally accepted accounting principles (GAAP) in
the U.S. The non-GAAP items presented in this release are
adjusted earnings per share, or EPS, and return on tangible common
equity, or ROTCE. These profitability measures are reported to
First Horizon’s management and directors through various internal
reports. First Horizon’s management believes these measures are
relevant to understanding the financial results of First Horizon
and its business segments. Non-GAAP measures are not formally
defined by GAAP or codified in the federal banking regulations, and
other entities may use calculation methods that differ from those
used by First Horizon. First Horizon has reconciled each of these
measures to a comparable GAAP measure below:
Non-GAAP to GAAP
Reconciliation
Quarterly,
Unaudited |
|
|
|
|
2Q17 Changes vs. |
(Dollars
and shares in thousands, except per share data) |
2Q17 |
|
|
1Q17 |
|
|
2Q16 |
|
|
1Q17 |
|
2Q16 |
Average Tangible Common Equity (Non-GAAP) |
Average total equity
(GAAP) |
$ |
2,778,169 |
|
|
|
$ |
2,722,668 |
|
|
|
$ |
2,655,488 |
|
|
|
2 |
% |
|
5 |
% |
Less: Average
noncontrolling interest (a) |
295,431 |
|
|
|
295,431 |
|
|
|
295,431 |
|
|
|
* |
|
|
* |
|
Less: Average preferred
stock (a) |
95,624 |
|
|
|
95,624 |
|
|
|
95,624 |
|
|
|
* |
|
|
* |
|
(A) Total average common equity |
2,387,114 |
|
|
|
2,331,613 |
|
|
|
2,264,433 |
|
|
|
2 |
% |
|
5 |
% |
Less:
Average intangible assets (GAAP) (b) |
281,326 |
|
|
|
211,757 |
|
|
|
215,556 |
|
|
|
33 |
% |
|
31 |
% |
(B)
Average tangible common equity (Non-GAAP) |
$ |
2,105,788 |
|
|
|
$ |
2,119,856 |
|
|
|
$ |
2,048,877 |
|
|
|
(1 |
)% |
|
3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
Annualized Net
Income Available to Common Shareholders |
|
|
|
|
|
|
|
|
|
|
|
|
(C) Net
income available to common shareholders (annualized ) (GAAP) |
$ |
364,206 |
|
|
|
$ |
219,073 |
|
|
|
$ |
227,395 |
|
|
|
66 |
% |
|
60 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
Ratios |
|
|
|
|
|
|
|
|
|
|
|
|
(C)/(A) Return on
average common equity ("ROE") (GAAP) |
15.26 |
|
% |
|
9.40 |
|
% |
|
10.04 |
|
% |
|
62 |
% |
|
52 |
% |
(C)/(B)
Return on average tangible common equity ("ROTCE") (Non-GAAP) |
17.30 |
|
% |
|
10.33 |
|
% |
|
11.10 |
|
% |
|
67 |
% |
|
56 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
Adjusted diluted EPS (Non-GAAP) |
|
|
|
|
|
2Q17 |
Net income
available to common shareholders (GAAP) |
|
|
|
|
|
|
|
|
$ |
90,802 |
|
Less: After-tax impact of notable items (GAAP)
(c) |
|
|
|
|
|
|
|
|
27,856 |
|
Adjusted net income available to common shareholders
(Non-GAAP) |
|
|
|
|
|
|
|
|
62,946 |
|
|
|
|
|
|
|
|
|
|
|
Diluted
shares (thousands) |
|
|
|
|
|
|
|
|
236,263 |
|
Diluted EPS
(GAAP) |
|
|
|
|
|
|
|
|
$ |
0.38 |
|
Adjusted diluted EPS (Non-GAAP) |
|
|
|
|
|
|
|
|
$ |
0.27 |
|
(a)
Included in Total equity on the Consolidated Balance Sheet. |
|
(b)
Includes goodwill and other intangible assets, net of
amortization. |
|
(c)
Includes $(20.0) million repurchase and foreclosure provision
reversal as a result of the settlement of certain repurchase claims
and $6.4 million of acquisition-related expenses primarily
associated with the Capital Bank Financial (CBF) and Coastal
Securities, Inc. (Coastal) acquisitions adjusted using an
incremental tax rate of approximately 39 percent. Also includes
$(19.5) million related to a favorable effective tax rate
adjustment associated with the reversal of a capital loss deferred
tax valuation allowance. |
|
Conference callManagement will hold a
conference call at 8:30 a.m. Central Time today to review earnings
and performance trends. There will also be a live webcast
accompanied by the slide presentation available in the investor
relations section of www.FirstHorizon.com. The call and slide
presentation may involve forward-looking information, including
guidance.
Participants can call toll-free starting at 8:15 a.m. by at
888-317-6003 and entering access code 8283550. The number for
international participants is 412-317-6061. Participants can
also listen to the live audio webcast with the accompanying slide
presentation through the investor relations section
of www.fhnc.com. A replay will be available
from noon CDT on July 14 until midnight CDT on July 29. To listen
to the replay, dial 877-344-7529 or 412-317-0088. The access code
is 10109874. The event also will be archived and available
beginning July 15 by midnight CDT in the events and presentations
section of http://ir.fhnc.com.The event also
will be archived and available on the website by midnight Central
Time.
Debt Investor MaterialsFirst Horizon expects to
post additional materials for debt investors Aug. 4 the investor
relations section of www.FirstHorizon.com First Horizon will
also provide these materials to analysts at upcoming meetings. The
debt investor materials posted may contain forward-looking
statements, including guidance, involving significant risks and
uncertainties, which will be identified by words such as "believe,"
"expect," "anticipate," "intend," "estimate," "should," "is
likely," "will," "going forward" and other expressions that
indicate future events and trends and may be followed by or
reference cautionary statements. A number of factors could cause
actual results to differ materially from those in the
forward-looking information. These factors are outlined in our most
recent earnings press release and in more detail in our most
current 10-Q and 10-K reports. First Horizon disclaims any
obligation to update any of the forward-looking statements that are
made from time to time to reflect future events or developments or
changes in expectations.
Forward-Looking Statements in
generalThis press release contains forward-looking
statements involving significant risks and uncertainties. A number
of important factors could cause actual results to differ
materially from those in the forward-looking information. Those
factors include general economic and financial market conditions,
including expectations of and actual timing and amount of interest
rate movements including the slope of the yield curve, competition,
ability to execute business plans, geopolitical developments,
recent and future legislative and regulatory developments,
inflation or deflation, market (particularly real estate market)
and monetary fluctuations, natural disasters, customer, investor
and regulatory responses to these conditions and items already
mentioned in this press release, as well as critical accounting
estimates and other factors described in First Horizon's annual
report on Form 10-K and other recent filings with the SEC. First
Horizon disclaims any obligation to update any such factors or to
publicly announce the result of any revisions to any of the
forward-looking statements included herein or therein to reflect
future events or developments or changes in expectations.
Forward-Looking Statements related to
proposed Capital Bank Financial transactionThis
communication contains certain “forward-looking statements” within
the meaning of the Private Securities Litigation Reform Act of 1995
with respect to First Horizon's beliefs, plans, goals,
expectations, and estimates concerning First Horizon and Capital
Bank, which announced a proposed transaction on May 4, 2017.
Forward-looking statements are not a representation of historical
information, but instead pertain to future operations, strategies,
financial results or other developments. The words “believe,”
“expect,” “anticipate,” “intend,” “estimate,” “should,” “is
likely,” “will,” “going forward,” and other expressions that
indicate future events and trends identify forward-looking
statements.
Forward-looking statements are necessarily based
upon estimates and assumptions that are inherently subject to
significant business, operational, economic and competitive
uncertainties and contingencies, many of which are beyond the
control of First Horizon and Capital Bank, and many of which, with
respect to future business decisions and actions, are subject to
change. Examples of uncertainties and contingencies include, among
other important factors: global, general, and local economic and
business conditions, including economic recession or depression;
expectations of and actual timing and amount of interest rate
movements, including the slope and shape of the yield curve, which
can have a significant impact on a financial services institution;
market and monetary fluctuations, including fluctuations in
mortgage markets; inflation or deflation; customer, investor,
competitor, regulatory, and legislative responses to any or all of
these conditions; demand for First Horizon’s and Capital Bank’s
product offerings; the actions of the Securities and Exchange
Commission (SEC), the Financial Accounting Standards Board (FASB),
the Office of the Comptroller of the Currency (OCC), the Board of
Governors of the Federal Reserve System (Federal Reserve), the
Federal Deposit Insurance Corporation (FDIC), the Financial
Industry Regulatory Authority (FINRA), the U.S. Department of the
Treasury (Treasury), the Municipal Securities Rulemaking Board
(MSRB), the Consumer Financial Protection Bureau (CFPB), the
Financial Stability Oversight Council (Council), the Public Company
Accounting Oversight Board (PCAOB), and other regulators and
agencies, including in connection with the regulatory approval
process associated with the merger; pending, threatened, or
possible future regulatory, administrative, and judicial outcomes,
actions, and proceedings; current or future Executive orders;
changes in laws and regulations applicable to First Horizon and
Capital Bank; the possibility that the proposed transaction will
not close when expected or at all because required regulatory,
shareholder or other approvals are not received or other conditions
to the closing are not satisfied on a timely basis or at all; the
possibility that the anticipated benefits of the transaction will
not be realized when expected or at all, including as a result of
the impact of, or problems arising from, the integration of the two
companies or as a result of the strength of the economy and
competitive factors in the areas where First Horizon and Capital
Bank do business; the possibility that the transaction may be more
expensive to complete than anticipated, including as a result of
unexpected factors or events; diversion of management’s attention
from ongoing business operations and opportunities; potential
adverse reactions or changes to business or employee relationships,
including those resulting from the announcement or completion of
the transaction; First Horizon’s and Capital Bank’s success in
executing their respective business plans and strategies and
managing the risks involved in the foregoing; and other factors
that may affect future results of First Horizon and Capital
Bank.
Additional factors that could cause results to
differ materially from those contemplated by forward-looking
statements can be found in First Horizon’s Annual Report on Form
10-K for the year ended December 31, 2016, and in its subsequent
Quarterly Reports on Form 10-Q filed with the SEC and available in
the “Investor Relations” section of First Horizon’s website,
http://www.firsthorizon.com, under the heading “SEC Filings” and in
other documents First Horizon files with the SEC, and in Capital
Bank’s Annual Report on Form 10-K for the year ended December 31,
2016 and in its subsequent Quarterly Reports on Form 10-Q,
including for the quarter ended March 31, 2017, filed with the SEC
and available in the “Investor Relations” section of Capital Bank’s
website, www.CapitalBank-US.com, under the heading “Financials
& Filings” and in other documents Capital Bank files with the
SEC.
Important Other InformationIn
connection with the proposed transaction, First Horizon has filed
with the SEC a Registration Statement on Form S-4 (No. 333-219052)
that includes a preliminary Joint Proxy Statement of First Horizon
and Capital Bank and a preliminary Prospectus of First Horizon, as
well as other relevant documents concerning the proposed
transaction. First Horizon will file a definitive Joint Proxy
Statement/ Prospectus under the Registration Statement in the
future, along with certain additional documents concerning the
proposed transaction. The proposed transaction involving First
Horizon and Capital Bank will be submitted to First Horizon’s
shareholders and Capital Bank’s stockholders for their
consideration. This communication does not constitute an offer to
sell or the solicitation of an offer to buy any securities or a
solicitation of any vote or approval. SHAREHOLDERS OF FIRST HORIZON
AND CAPITAL BANK ARE URGED TO READ THE REGISTRATION STATEMENT AND
THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE TRANSACTION AND
ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY
AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY DO AND
WILL CONTAIN IMPORTANT INFORMATION. Shareholders will be able to
obtain a free copy of the definitive joint proxy
statement/prospectus, as well as other filings containing
information about First Horizon and Capital Bank, without charge,
at the SEC’s website (http://www.sec.gov). Copies of the definitive
joint proxy statement/prospectus and the filings with the SEC that
will be incorporated by reference in the joint proxy
statement/prospectus can also be obtained, without charge, by
directing a request to Clyde A. Billings, Jr., First Horizon
National Corporation, 165 Madison, 8th Floor, Memphis, TN 38103,
telephone 901.523.5679, or Capital Bank Financial Corp., Attention:
Secretary, 4725 Piedmont Row Drive, Suite 110, Charlotte, NC
28210.
Participants in the
SolicitationFirst Horizon, Capital Bank, and certain of
their respective directors, executive officers and employees may be
deemed to be participants in the solicitation of proxies in respect
of the proposed transaction. Information regarding First Horizon’s
directors and executive officers is available in its definitive
proxy statement, which was filed with the SEC on March 13, 2017,
and certain of its Current Reports on Form 8-K. Information
regarding Capital Bank’s directors and executive officers is
available in its definitive proxy statement, which was filed with
SEC on April 28, 2017, and certain of its Current Reports on Form
8-K. Other information regarding the participants in the proxy
solicitation and a description of their direct and indirect
interests, by security holdings or otherwise, will be contained in
the joint proxy statement/prospectus and other relevant materials
filed with the SEC. Free copies of this document, when it becomes
available, may be obtained as described in the preceding
paragraph.
About First HorizonThe 4,300
employees of First Horizon National Corp. (NYSE:FHN) provide
financial services through more than 160 bank locations across
Tennessee and the southern U.S. and 29 FTN Financial offices across
the U.S. The company was founded during the Civil War in 1864 and
has the 14th oldest national bank charter in the
country. First Tennessee, No. 5 among American Banker’s
Top 10 Most Reputable U.S. Banks, has the largest deposit market
share in Tennessee and one of the highest customer retention rates
of any bank in the country. FTN Financial is a capital markets
industry leader in fixed income sales, trading and strategies for
institutional customers in the U.S. and abroad. First Horizon has
been recognized as one of the nation's best employers by Working
Mother and American Banker. More information is available
at www.FirstHorizon.com.
FHN-G
CONTACT:
First Horizon Investor Relations, Aarti Bowman, (901) 523-4017
First Horizon Media Relations, James Dowd, (901) 523-4305
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