---
schema_version: "secwatch.filing_event.v1"
accession: "0000037808-23-000017"
form_type: "8-K"
ticker: "FNB"
cik: "0000037808"
company_name: "FNB CORP/PA/"
filed_at: "2023-07-20T23:59:59+00:00"
generated_at: "2026-06-13T05:53:58.519609+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FNB Q2 2023 EPS $0.39, up 30% YoY; efficiency ratio 50%

## Summary
- Net income $140.4M ($0.39 diluted) vs $107.1M ($0.30) YoY; operating EPS also $0.39.
- Net interest income $329.2M, +29.8% YoY; NIM (FTE) 3.37%, +61bp YoY, -19bp link-qtr.
- Period-end loans +11.8% YoY (+$3.3B); avg deposits +0.2% YoY.
- Efficiency ratio (non-GAAP) 50.0% vs 55.2% in Q2'22.
- CET1 ratio 10.0%; tangible book value $8.79 (+8.6% YoY); repurchased 2.3M shares at $10.80.

## SEC filing metadata
- accession: 0000037808-23-000017
- form_type: 8-K
- ticker: FNB
- cik: 0000037808
- company_name: FNB CORP/PA/
- filed_at: 2023-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/37808/000003780823000017/0000037808-23-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000003780823000017/fnb-20230719.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-23-000017
- JSON: https://secwatch.observer/filing/0000037808-23-000017.json
- Plain text: https://secwatch.observer/filing/0000037808-23-000017.txt

## Key facts
- Earnings Releases
  FNB CORP/PA/ reported second quarter of 2022 results: net income 107.1, EPS 0.30.
  - Period: second quarter of 2022
  - Net income: 107.1
  - EPS: 0.30
  - Result: reported results
  source text: Comparatively, second quarter of 2022 net income available to common stockholders totaled $107.1 million, or $0.30 per diluted common share
  evidence_url: https://www.sec.gov/Archives/edgar/data/37808/000003780823000017/0000037808-23-000017-index.htm
- Earnings Releases
  FNB CORP/PA/ reported first quarter of 2023 results: net income 144.5, EPS 0.40.
  - Period: first quarter of 2023
  - Net income: 144.5
  - EPS: 0.40
  - Result: reported results
  source text: and first quarter of 2023 net income available to common stockholders totaled $144.5 million, or $0.40 per diluted common share.
  evidence_url: https://www.sec.gov/Archives/edgar/data/37808/000003780823000017/0000037808-23-000017-index.htm

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