First Horizon Corporation (FHN) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
First Horizon Corporation (FHN) Goldman Sachs 2025 U.S. Financial Services Conference December 9, 2025 3:40 PM EST
Company Participants
D. Jordan – Chairman, President & CEO
Hope Dmuchowski – Senior EVP & CFO
Conference Call Participants
Ryan Nash – Goldman Sachs Group, Inc., Research Division
Presentation
Ryan Nash
Goldman Sachs Group, Inc., Research Division
We’re going to get started here. Up next, we’re pleased to have First Horizon joining us once again. As I said, it’s successfully executed on its strategy to improve returns through tight cost discipline and returning additional capital, amongst other things. The company continues to have one of the most attractive footprints in banking, and it’s working to improve overall returns on a sustainable basis.
Here to tell us more about the story are Chairman and CEO, Bryan Jordan; the CFO, Hope Dmuchowski — sorry about that. Today’s discussion is going to be a fireside chat.
So welcome, guys. Great to see you once again.
D. Jordan
Chairman, President & CEO
Thank you.
Question-and-Answer Session
Ryan Nash
Goldman Sachs Group, Inc., Research Division
So Bryan, 2025 was a solid year for the bank. You made progress on your return targets, returned a lot of capital, held costs tight, had, in certain pockets, very strong revenue growth. As you reflect back on the past year, what went well? What are the areas for improvement? And how does this position the bank for 2026?
D. Jordan
Chairman, President & CEO
Yes. Ryan, thanks for having us. It’s great to be back here. And as you summarized, I think we had an outstanding year on a number of fronts. And set aside the financial for a minute and focus on the progress that we made getting technology put in place, that we started 2 years ago. We have updated our technology stack. We have structured our data centers in
