{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-25-000133","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.765737+00:00","generated_at":"2026-05-17T03:28:08.791418+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"FNB Q3 EPS $0.41 (+37% YoY); record revenue $457M; CET1 11.0%","bullets":["Net income available to common $149.5M ($0.41 diluted EPS) vs $110.1M ($0.30) a year ago; record revenue $457M.","Net interest income record $359.3M, up 3.5% linked-quarter; net interest margin (FTE) 3.25% (+6 bps QoQ).","Non-interest income record $98.2M (+7.9% QoQ); pre-provision net revenue $213.9M (+11.4% QoQ).","Tangible book value per share $11.48, +11.1% YoY; CET1 ratio 11.0% (est.) vs 10.4% year ago.","Average loans $34.8B (+3.0% YoY); average deposits $37.9B (+6.4% YoY); NCO ratio 0.22% annualized."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-25-000133","json":"https://secwatch.observer/filing/0000037808-25-000133.json","markdown":"https://secwatch.observer/filing/0000037808-25-000133.md","text":"https://secwatch.observer/filing/0000037808-25-000133.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780825000133/0000037808-25-000133-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780825000133/fnb-20251016.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:28:08.791418+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"}