secwatch.observer — SEC 8-K summary
======================================

Issuer:     FNB CORP/PA/ (FNB)
CIK:        0000037808
Form:       8-K
Filed at:   2025-10-17T23:59:59+00:00
Accession:  0000037808-25-000133
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/37808/000003780825000133/0000037808-25-000133-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/37808/000003780825000133/fnb-20251016.htm
  HTML page:      https://secwatch.observer/filing/0000037808-25-000133

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer