---
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"
generated_at: "2026-06-16T22:54:41.907312+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FNB Q1 2023 EPS $0.40 ($0.40 operating); net income $144.5M; ROAA 1.4%, ROTCE 20%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-23-000007
- JSON: https://secwatch.observer/filing/0000037808-23-000007.json
- Plain text: https://secwatch.observer/filing/0000037808-23-000007.txt

## Key facts
- Earnings Releases
  FNB CORP/PA/ reported the quarter ended March 31, 2023 results: net income $144.5 million, EPS $0.40 per diluted common share.
  - Period: the quarter ended March 31, 2023
  - Net income: $144.5 million
  - EPS: $0.40 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/37808/000003780823000007/0000037808-23-000007-index.htm

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