---
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"
generated_at: "2026-06-06T21:33:46.180152+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FNB Q4 GAAP net income $48.7M ($0.13/diluted); operating EPS $0.38; balance sheet actions taken

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/37808/000003780824000002/0000037808-24-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000003780824000002/fnb-20240118.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-24-000002
- JSON: https://secwatch.observer/filing/0000037808-24-000002.json
- Plain text: https://secwatch.observer/filing/0000037808-24-000002.txt

## Key facts
- Earnings Releases
  FNB CORP/PA/ reported Fourth quarter of 2023 results: net income 48.7 million, EPS 0.13.
  - Period: Fourth quarter of 2023
  - Net income: 48.7 million
  - EPS: 0.13
  - Result: reported results
  source text: On January 18, 2024 , F.N.B. Corporation announced financial results for the quarter ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/37808/000003780824000002/0000037808-24-000002-index.htm

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