---
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"
generated_at: "2026-06-09T21:15:32.465749+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FNB Q3 2023 EPS $0.40, net income $143.3M; loans up 2.5% QoQ

## Summary
- 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).

## SEC filing metadata
- 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
- 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/37808/000003780823000022/0000037808-23-000022-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000003780823000022/fnb-20231018.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-23-000022
- JSON: https://secwatch.observer/filing/0000037808-23-000022.json
- Plain text: https://secwatch.observer/filing/0000037808-23-000022.txt

## Key facts
- Earnings Releases
  FNB CORP/PA/ reported the third quarter of 2023 results: net income $143.3 million, EPS $0.40 per diluted common share.
  - Period: the third quarter of 2023
  - Net income: $143.3 million
  - EPS: $0.40 per diluted common share
  - Result: reported results
  source text: On October 18, 2023 , F.N.B. Corporation announced financial results for the quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/37808/000003780823000022/0000037808-23-000022-index.htm

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