FNB Q3 2022 EPS $0.38 ($0.39 op); record revenue $380M; efficiency ratio 49%

FNB CORP/PA/

2022-Q3 EPS reported $0.83

GAAP EPS $0.38 vs $0.34 year ago; operating EPS $0.39; revenue record $380M; net income $135.5M.
Net interest income rose 28% to $297.1M; NIM (FTE) expanded 43 bps to 3.19% linked-quarter.
Loans grew 16% YoY to $28.6B; deposits up 9% average YoY; period-end deposits +4.9% annualized linked-quarter.
Efficiency ratio (non-GAAP) improved to 49.4%, down 600 bps; net charge-offs low at 0.04%.
CET1 ratio 9.8%; tangible book value $8.02; AOCI impacted by higher rates, reducing tangible book by $1.08.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.