{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-23-000002","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2023-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.646412+00:00","generated_at":"2026-06-20T11:07:47.632233+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"FNB reports record Q4 revenue $416M, operating EPS $0.44, completes UB Bancorp acquisition","bullets":["Q4 2022 net income available to common $137.5M ($0.38 diluted EPS) vs $96.5M ($0.30) in Q4 2021.","Operating EPS (non-GAAP) of $0.44; full-year 2022 operating EPS $1.40 on record revenue of $1.4B.","Completed UB Bancorp acquisition Dec 9, adding estimated $651M loans and $956M deposits.","Efficiency ratio (non-GAAP) improved to record 45.8% from 58.1% a year ago.","Period-end loans up 21.2% YoY; net charge-offs remain low at 0.16% annualized."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-23-000002","json":"https://secwatch.observer/filing/0000037808-23-000002.json","markdown":"https://secwatch.observer/filing/0000037808-23-000002.md","text":"https://secwatch.observer/filing/0000037808-23-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000002/0000037808-23-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000002/fnb-20230123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:07:47.632233+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":[{"claim_id":"15ad88632b7ac8f87f99fd546836912ac080d99a","claim":"FNB CORP/PA/ reported the quarter ended December 31, 2022 results: net income $137.5 million, EPS $0.38 per diluted common share.","evidence_excerpt":"F.N.B. Corporation (NYSE: FNB) reported earnings for the fourth quarter of 2022 with net income available to common stockholders of $137.5 million, or $0.38 per diluted common share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000002/0000037808-23-000002-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$137.5 million"},{"label":"EPS","value":"$0.38 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"3955118e612fb172a69ddb79200014b8090bfc9a","claim":"FNB CORP/PA/ reported the full year of 2022 results: net income $431.1 million, EPS $1.22 per diluted common share.","evidence_excerpt":"For the full year of 2022, net income available to common stockholders was $431.1 million, or $1.22 per diluted common share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000002/0000037808-23-000002-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the full year of 2022"},{"label":"Net income","value":"$431.1 million"},{"label":"EPS","value":"$1.22 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}