secwatch.observer — SEC 8-K summary
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Issuer:     FNB CORP/PA/ (FNB)
CIK:        0000037808
Form:       8-K
Filed at:   2025-01-22T23:59:59+00:00
Accession:  0000037808-25-000016
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/37808/000003780825000016/0000037808-25-000016-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/37808/000003780825000016/fnb-20250122.htm
  HTML page:      https://secwatch.observer/filing/0000037808-25-000016

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