Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in TowneBank or First Horizon Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how TowneBank and First Horizon Corporation compare based on key financial metrics to determine which better meets your investment needs.

About TowneBank and First Horizon Corporation

TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance. The company provides treasury solutions and deposit products, including checking accounts, savings accounts, and various types of time deposit services, such as daily money market accounts and long-term certificates of deposit; transaction accounts and certificates of deposit; and retirement account services comprising individual retirement accounts. It also offers safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts; secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and secured and unsecured loans for working capital, business expansion, equipment and machinery purchases, fixed- and floating-rate mortgage loans, and larger commercial loans, as well as real estate acquisition, development, and construction loans. In addition, the company can act as a qualified intermediary assisting investors; provides other financial services, such as financial, retirement, and estate planning; and offers assistance on a various investment option, including alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Further, it provides residential mortgage loans; residential resort property management; property, casualty, life, and health insurance products for businesses, individuals, and community organizations; and commercial and consumer insurance products and financial services, as well as individual and group life and health insurance. Additionally, the company offers online banking, mobile banking, and on-call banking. TowneBank was incorporated in 1998 and is based in Portsmouth, Virginia.

First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. It operates through Regional Banking, Specialty Banking, and Corporate segments. The company offers commercial banking, business banking, consumer banking, private client investment, wealth management, financial planning, trust and asset management services, asset-based lending, commercial real estate, equipment finance/leasing, energy finance, international banking, healthcare finance, transportation and logistics finance, treasury management solutions, and loan syndications services. It also provides fixed income securities sales, trading, underwriting, and strategies for institutional clients; loan sales; portfolio advisory services; derivative sales; mortgage warehouse lending; franchise finance; corporate and correspondent banking; and mortgage origination services. Further, it provides transaction processing services, credit card products, and sale of mutual funds. First Horizon Corporation was formerly known as First Horizon National Corporation and changed its name to First Horizon Corporation in April 2004. The company was founded in 1864 and is headquartered in Memphis, Tennessee.

Latest Banks and TowneBank, First Horizon Corporation Stock News

As of July 31, 2026, TowneBank had a $3.5 billion market capitalization, compared to the Banks median of $716.9 million. TowneBank’s stock is up 13.6% in 2026, up 3.4% in the previous five trading days and up 8.13% in the past year.

Currently, TowneBank’s price-earnings ratio is 18.3. TowneBank’s trailing 12-month revenue is $877.2 million with a 28.6% net profit margin. Year-over-year quarterly sales growth most recently was 36.2%. Analysts expect adjusted earnings to reach $3.140 per share for the current fiscal year. TowneBank currently has a 3.0% dividend yield.

As of July 31, 2026, First Horizon Corporation had a $12.2 billion market cap, putting it in the 80th percentile of all stocks. First Horizon Corporation’s stock is up 7.3% in 2026, up 0.4% in the previous five trading days and up 16.86% in the past year.

Currently, First Horizon Corporation’s price-earnings ratio is 12.9. First Horizon Corporation’s trailing 12-month revenue is $3.4 billion with a 30.2% net profit margin. Year-over-year quarterly sales growth most recently was 9.7%. Analysts expect adjusted earnings to reach $2.133 per share for the current fiscal year. First Horizon Corporation currently has a 2.7% dividend yield.

How We Compare TowneBank and First Horizon Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at TowneBank and First Horizon Corporation’s stock grades to see how they measure up against one another.

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TowneBank and First Horizon Corporation Stock Value Grades

Company	Ticker	Value
TowneBank	TOWN	D
First Horizon Corporation	FHN	C

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

TowneBank has a Value Score of 28, which is Expensive. First Horizon Corporation has a Value Score of 54, which is Average.

The Value Stock Winner: No Clear Winner

Neither TowneBank or First Horizon Corporation has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if TowneBank or First Horizon Corporation is the better investment when it comes to value.

TowneBank and First Horizon Corporation Growth Grades

Company	Ticker	Growth
TowneBank	TOWN	B
First Horizon Corporation	FHN	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

TowneBank has a Growth Score of 77, which is Strong. First Horizon Corporation has a Growth Score of 77, which is Strong.

The Growth Grade Winner: It’s a Tie!

Looking at the Growth Grade breakdown above, both TowneBank and First Horizon Corporation have a grade of B. For investors who focus solely on a company’s upward growth, further research should be conducted into both companies’ other financial metrics before deciding whether to invest.

TowneBank and First Horizon Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
TowneBank	TOWN	D
First Horizon Corporation	FHN	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

TowneBank has a Earnings Estimate Score of 23, which is Negative. First Horizon Corporation has a Earnings Estimate Score of 43, which is Neutral.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither TowneBank or First Horizon Corporation has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if TowneBank or First Horizon Corporation is the better investment when it comes to estimate revisions.

Other TowneBank and First Horizon Corporation Grades

In addition to Growth, Estimate Revisions and Value, A+ Investor also provides grades for Momentum and Quality.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether TowneBank and First Horizon Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, TowneBank or First Horizon Corporation Stock?

Overall, TowneBank stock has a Value Score of 28, Growth Score of 77 and Estimate Revisions Score of 23.

First Horizon Corporation stock has a Value Score of 54, Growth Score of 77 and Estimate Revisions Score of 43.

Comparing TowneBank and First Horizon Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.