{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-25-000016","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.999846+00:00","generated_at":"2026-05-27T21:20:50.682239+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"F.N.B. Corp Q4 operating EPS flat YoY at $0.38; full-year operating EPS $1.39; TBV up 11%","bullets":["Q4 net income $109.9M ($0.30 diluted EPS); operating EPS (non-GAAP) $0.38, flat vs Q4 2023.","Full-year 2024 net income $459.3M ($1.27 diluted EPS); operating EPS $1.39 vs $1.57 in 2023.","Tangible book value per share grew 11% YoY to $10.49; CET1 ratio 10.6%; TCE ratio 8.2%.","Completed $231M AFS securities sale with $34M realized loss; issued $500M senior notes at 5.722% due 2030.","Loans +5.0% YoY; deposits +6.9% YoY; loan-to-deposit ratio improved to 91% from 93%."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-25-000016","json":"https://secwatch.observer/filing/0000037808-25-000016.json","markdown":"https://secwatch.observer/filing/0000037808-25-000016.md","text":"https://secwatch.observer/filing/0000037808-25-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780825000016/0000037808-25-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780825000016/fnb-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:20:50.682239+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"}