---
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"
generated_at: "2026-06-24T10:25:31.497087+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# F.N.B. Corp Q2 earnings: $0.30 GAAP EPS; record revenue $336M; announces UB Bancorp acquisition

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-22-000016
- JSON: https://secwatch.observer/filing/0000037808-22-000016.json
- Plain text: https://secwatch.observer/filing/0000037808-22-000016.txt

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