{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-23-000007","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2023-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:41.831456+00:00","generated_at":"2026-06-16T22:54:41.907312+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FNB Q1 2023 EPS $0.40 ($0.40 operating); net income $144.5M; ROAA 1.4%, ROTCE 20%","bullets":["Net income available to common stockholders $144.5M, diluted EPS $0.40; Q1 2022 $51.0M, $0.15.","Return on avg tangible common equity 20%; return on avg assets 1.4%; efficiency ratio 50.6%.","Net interest income $336.7M (+43.8% YoY); net interest margin (FTE) 3.56%, up 95 bps YoY.","Tangible book value per share $8.66, up $0.39 from Dec 2022; CET1 ratio 10.0% (estimated).","Average deposits up $1.2B YoY; period-end deposits down $579.7M linked-quarter due to seasonal declines."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-23-000007","json":"https://secwatch.observer/filing/0000037808-23-000007.json","markdown":"https://secwatch.observer/filing/0000037808-23-000007.md","text":"https://secwatch.observer/filing/0000037808-23-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000007/0000037808-23-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000007/fnb-20230419.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T22:54:41.907312+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":"0c2a6df1664e6f5e84c0dc2c12f847512c833965","claim":"FNB CORP/PA/ reported the quarter ended March 31, 2023 results: net income $144.5 million, EPS $0.40 per diluted common share.","evidence_excerpt":"F.N.B. Corporation (NYSE: FNB) reported earnings for the first quarter of 2023 with net income available to common stockholders of $144.5 million, or $0.40 per diluted common share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000007/0000037808-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2023"},{"label":"Net income","value":"$144.5 million"},{"label":"EPS","value":"$0.40 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"}