{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-26-000003","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.397349+00:00","generated_at":"2026-05-16T09:22:49.854756+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 reports Q4 2025 EPS $0.47 GAAP, $0.50 operating; full-year revenue record $1.8B","bullets":["GAAP diluted EPS Q4 $0.47 vs $0.30 year ago; full-year $1.56 vs $1.27.","Operating EPS (non-GAAP) Q4 $0.50; full-year $1.59, up 14% YoY operating basis.","Total assets surpassed $50B; CET1 ratio 11.4%, up from 10.6% year ago.","Tangible book value per share $11.87, up 13.2% YoY; loan-to-deposit ratio 89.7%.","Net interest margin (FTE) 3.28%, up 3 bps linked-quarter; provision $18.9M."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-26-000003","json":"https://secwatch.observer/filing/0000037808-26-000003.json","markdown":"https://secwatch.observer/filing/0000037808-26-000003.md","text":"https://secwatch.observer/filing/0000037808-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780826000003/0000037808-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780826000003/fnb-20260120.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:22:49.854756+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"}