{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-22-000016","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2022-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.808739+00:00","generated_at":"2026-06-24T10:25:31.497087+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"F.N.B. Corp Q2 earnings: $0.30 GAAP EPS; record revenue $336M; announces UB Bancorp acquisition","bullets":["Net income $107.1M ($0.30 diluted EPS); operating EPS $0.31, up 19% linked quarter.","Record revenue $336M; net interest income $253.7M (+11.3%); NIM 2.76% (+15 bps).","Spot loan growth $1.3B (19.5% annualized) excl. PPP; net recoveries (0.01% NCO ratio).","Efficiency ratio 55.2%; pre-provision net revenue $145.1M, up 23.2% linked quarter.","Announced all-stock acquisition of UB Bancorp for ~$117M; CET1 9.7%; T/BV $8.10."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-22-000016","json":"https://secwatch.observer/filing/0000037808-22-000016.json","markdown":"https://secwatch.observer/filing/0000037808-22-000016.md","text":"https://secwatch.observer/filing/0000037808-22-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780822000016/0000037808-22-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780822000016/fnb-20220720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T10:25:31.497087+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"}