---
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"
generated_at: "2026-06-03T19:50:16.528901+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FNB Q1 2024 EPS $0.32; operating EPS $0.34; net income down 20% YoY; record TCE ratio 8.0%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-24-000008
- JSON: https://secwatch.observer/filing/0000037808-24-000008.json
- Plain text: https://secwatch.observer/filing/0000037808-24-000008.txt

## Key facts
- Earnings Releases
  FNB CORP/PA/ reported the quarter ended March 31, 2024 results: net income $116.3 million, EPS $0.32 per diluted common share.
  - Period: the quarter ended March 31, 2024
  - Net income: $116.3 million
  - EPS: $0.32 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/37808/000003780824000008/0000037808-24-000008-index.htm

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