---
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"
generated_at: "2026-05-17T03:28:08.791418+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FNB Q3 EPS $0.41 (+37% YoY); record revenue $457M; CET1 11.0%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-25-000133
- JSON: https://secwatch.observer/filing/0000037808-25-000133.json
- Plain text: https://secwatch.observer/filing/0000037808-25-000133.txt

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