---
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"
generated_at: "2026-05-27T21:20:50.682239+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# F.N.B. Corp Q4 operating EPS flat YoY at $0.38; full-year operating EPS $1.39; TBV up 11%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-25-000016
- JSON: https://secwatch.observer/filing/0000037808-25-000016.json
- Plain text: https://secwatch.observer/filing/0000037808-25-000016.txt

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