First HorizonOld Republic

First Horizon vs Old Republic

This page compares First Horizon (First Horizon Corp.) and Old Republic International Corporation, examining business models, financial performance, and market context to present a neutral view of sim...

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Community Banking Catalyst

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Investment Analysis

First Horizon

Pros

  • First Horizon delivered strong third-quarter 2025 financial results, beating earnings per share and revenue expectations.
  • The company maintains a diversified revenue base through regional banking, specialty banking, and corporate segments.
  • First Horizon has a reasonable valuation with a price-to-earnings ratio around 12.7 and a dividend yield close to 2.9%.

Considerations

  • Shares fell 9% after Q3 2025 earnings, reflecting market concerns about the company’s strategic shift towards potential acquisitions.
  • Analyst ratings have recently been downgraded or price targets lowered due to uncertainty surrounding management’s acquisition plans.
  • The company’s earnings declined by approximately 14.7% in 2024 even though revenue grew modestly, indicating margin pressures.
Old Republic

Pros

  • Old Republic International is a well-established provider in the insurance sector with diversified offerings.
  • The company has a solid underwriting track record and a conservative investment portfolio supporting financial stability.
  • Old Republic benefits from exposure to specialized insurance markets with durable demand characteristics.

Considerations

  • Insurance operations are exposed to cyclical underwriting risks which can affect profitability in adverse claim environments.
  • The company is sensitive to regulatory changes and evolving legal liabilities in its core insurance businesses.
  • Growth can be constrained by competitive pressures and the limited scalability typical in property and casualty insurance.

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