{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-24-000024","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2024-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.736632+00:00","generated_at":"2026-05-30T12:53:46.421691+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"F.N.B. Corporation Q3 2024 EPS $0.30 ($0.34 operating); deposits up $1.8B linked quarter; TBVPS up 15% YoY to $10.33","bullets":["Net income available to common $110.1M ($0.30 diluted GAAP EPS); operating EPS $0.34; compares to $0.40 YoY.","Deposits grew $1.8B linked quarter (5%); loan-to-deposit ratio improved 400bps to 92% after $431M auto loan sale.","TBVPS $10.33 (record), up 15% YoY; AOCI impact narrowed from -$1.06 to -$0.43.","Net interest income $323.3M (+2.4% linked Q); NIM stable at 3.08%. Record non-interest income $89.7M (+10% YoY).","Provision for credit losses $23.4M (vs $7.8M prior Q); net charge-offs $21.5M; CET1 ratio 10.4%."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-24-000024","json":"https://secwatch.observer/filing/0000037808-24-000024.json","markdown":"https://secwatch.observer/filing/0000037808-24-000024.md","text":"https://secwatch.observer/filing/0000037808-24-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780824000024/0000037808-24-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780824000024/fnb-20241017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:53:46.421691+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}