---
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"
generated_at: "2026-06-20T11:07:47.632233+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.78
calibrated_materiality_score: 0.78
confidence: "high"
source: SEC EDGAR
---

# FNB reports record Q4 revenue $416M, operating EPS $0.44, completes UB Bancorp acquisition

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.78
- calibrated_materiality_score: 0.78
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-23-000002
- JSON: https://secwatch.observer/filing/0000037808-23-000002.json
- Plain text: https://secwatch.observer/filing/0000037808-23-000002.txt

## Key facts
- Earnings Releases
  FNB CORP/PA/ reported the quarter ended December 31, 2022 results: net income $137.5 million, EPS $0.38 per diluted common share.
  - Period: the quarter ended December 31, 2022
  - Net income: $137.5 million
  - EPS: $0.38 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/37808/000003780823000002/0000037808-23-000002-index.htm
- Earnings Releases
  FNB CORP/PA/ reported the full year of 2022 results: net income $431.1 million, EPS $1.22 per diluted common share.
  - Period: the full year of 2022
  - Net income: $431.1 million
  - EPS: $1.22 per diluted common share
  - Result: reported results
  source text: For the full year of 2022, net income available to common stockholders was $431.1 million, or $1.22 per diluted common share.
  evidence_url: https://www.sec.gov/Archives/edgar/data/37808/000003780823000002/0000037808-23-000002-index.htm

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