---
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"
generated_at: "2026-06-27T16:58:52.504825+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FNB Q4 EPS $0.30, full-year EPS $1.23; record revenue $1.2B; tangible book value up 9% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-22-000002
- JSON: https://secwatch.observer/filing/0000037808-22-000002.json
- Plain text: https://secwatch.observer/filing/0000037808-22-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.