{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-24-000002","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2024-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.599498+00:00","generated_at":"2026-06-06T21:33:46.180152+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FNB Q4 GAAP net income $48.7M ($0.13/diluted); operating EPS $0.38; balance sheet actions taken","bullets":["GAAP diluted EPS $0.13 vs $0.38 in Q4 2022; operating (non-GAAP) diluted EPS $0.38 vs $0.44.","Record full-year revenue $1.6B; tangible book value per share grew 14.5% YoY to $9.47.","Sold $650M AFS securities with realized loss $67.4M; reinvested at ~350bps higher yield; transferred $355M indirect auto loans to HFS.","CET1 ratio 10.1% (estimated); NIM (FTE) 3.21%, down 5bps QoQ; non-performing loans ratio 0.34%.","FDIC special assessment of $29.9M included in Q4 expenses; effective tax rate 13.1% due to solar project tax credits."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-24-000002","json":"https://secwatch.observer/filing/0000037808-24-000002.json","markdown":"https://secwatch.observer/filing/0000037808-24-000002.md","text":"https://secwatch.observer/filing/0000037808-24-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780824000002/0000037808-24-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780824000002/fnb-20240118.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:33:46.180152+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":"cbc83dfa3de310b06ac6a15b2579eaec9a858c3e","claim":"FNB CORP/PA/ reported Fourth quarter of 2023 results: net income 48.7 million, EPS 0.13.","evidence_excerpt":"On January 18, 2024 , F.N.B. Corporation announced financial results for the quarter ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/37808/000003780824000002/0000037808-24-000002-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Fourth quarter of 2023"},{"label":"Net income","value":"48.7 million"},{"label":"EPS","value":"0.13"},{"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"}