---
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"
generated_at: "2026-05-30T12:53:46.421691+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# 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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-24-000024
- JSON: https://secwatch.observer/filing/0000037808-24-000024.json
- Plain text: https://secwatch.observer/filing/0000037808-24-000024.txt

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