{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-24-000008","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2024-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.598721+00:00","generated_at":"2026-06-03T19:50:16.528901+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FNB Q1 2024 EPS $0.32; operating EPS $0.34; net income down 20% YoY; record TCE ratio 8.0%","bullets":["Net income available to common stockholders $116.3M ($0.32 diluted EPS) vs $144.5M ($0.40) in Q1 2023.","Operating EPS (non-GAAP) $0.34, excluding $0.02 of significant items; prior year $0.40.","Record non-interest income $87.9M, driven by Wealth Management, Capital Markets, and Mortgage Banking.","Period-end loans +6.2% YoY to $1.9B; deposits +1.6% YoY; tangible book value $9.64, up 11.3% YoY.","Record CET1 ratio 10.2% (est.); non-performing loan ratio 0.33%, down 5 bps YoY; FDIC special assessment $4.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-24-000008","json":"https://secwatch.observer/filing/0000037808-24-000008.json","markdown":"https://secwatch.observer/filing/0000037808-24-000008.md","text":"https://secwatch.observer/filing/0000037808-24-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780824000008/0000037808-24-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780824000008/fnb-20240417.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T19:50:16.528901+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":"543f2bbad75ca75e5253adcf1050570aed2fac2c","claim":"FNB CORP/PA/ reported the quarter ended March 31, 2024 results: net income $116.3 million, EPS $0.32 per diluted common share.","evidence_excerpt":"F.N.B. Corporation (NYSE: FNB) reported earnings for the first quarter of 2024 with net income available to common stockholders of $116.3 million, or $0.32 per diluted common share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/37808/000003780824000008/0000037808-24-000008-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$116.3 million"},{"label":"EPS","value":"$0.32 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"}