{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-23-000022","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.675278+00:00","generated_at":"2026-06-09T21:15:32.465749+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 Q3 2023 EPS $0.40, net income $143.3M; loans up 2.5% QoQ","bullets":["Diluted EPS $0.40, net income available to common $143.3M, vs $0.38 and $135.5M in Q3 2022.","Period-end loans +2.5% linked-quarter; commercial loans up $470M, consumer loans up $326M.","Period-end deposits +2.3% linked-quarter; non-interest-bearing deposits stable at 31% of total.","Net interest income $326.6M (+9.9% YoY); net interest margin (FTE) 3.26%, up 7 bps YoY.","Tangible book value per share $9.02 (+12.5% YoY); CET1 ratio 10.2% (estimated)."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-23-000022","json":"https://secwatch.observer/filing/0000037808-23-000022.json","markdown":"https://secwatch.observer/filing/0000037808-23-000022.md","text":"https://secwatch.observer/filing/0000037808-23-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000022/0000037808-23-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000022/fnb-20231018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T21:15:32.465749+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":"63d0b9d20c15d849753abf492ed03553f7dc058d","claim":"FNB CORP/PA/ reported the third quarter of 2023 results: net income $143.3 million, EPS $0.40 per diluted common share.","evidence_excerpt":"On October 18, 2023 , F.N.B. Corporation announced financial results for the quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/37808/000003780823000022/0000037808-23-000022-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"label":"Net income","value":"$143.3 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"}