{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-22-000002","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2022-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.277083+00:00","generated_at":"2026-06-27T16:58:52.504825+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FNB Q4 EPS $0.30, full-year EPS $1.23; record revenue $1.2B; tangible book value up 9% YoY","bullets":["Q4 net income $96.5M ($0.30/sh) vs $0.22/sh YoY; full-year $396.6M ($1.23/sh) vs $0.85/sh.","Record full-year revenue $1.2B; non-interest income record $330M, up $36M YoY.","Ex-PPP loans grew 5.7% YoY; tangible book value per share up 9% to $8.59.","Net charge-offs very low at 0.02% annualized; provision for credit losses a net benefit of $2.4M.","CEO cites growth initiatives: eStore digital platform, Howard Bank integration, Physicians First."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-22-000002","json":"https://secwatch.observer/filing/0000037808-22-000002.json","markdown":"https://secwatch.observer/filing/0000037808-22-000002.md","text":"https://secwatch.observer/filing/0000037808-22-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780822000002/0000037808-22-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780822000002/fnb-20220119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T16:58:52.504825+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}