---
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"
generated_at: "2026-05-16T09:22:49.854756+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FNB reports Q4 2025 EPS $0.47 GAAP, $0.50 operating; full-year revenue record $1.8B

## Summary
- 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.

## SEC filing metadata
- 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
- 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/37808/000003780826000003/0000037808-26-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000003780826000003/fnb-20260120.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-26-000003
- JSON: https://secwatch.observer/filing/0000037808-26-000003.json
- Plain text: https://secwatch.observer/filing/0000037808-26-000003.txt

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