secwatch.observer — SEC 8-K summary
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Issuer:     FNB CORP/PA/ (FNB)
CIK:        0000037808
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0000037808-26-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/37808/000003780826000003/0000037808-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/37808/000003780826000003/fnb-20260120.htm
  HTML page:      https://secwatch.observer/filing/0000037808-26-000003

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