---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-213678"
form_type: "8-K"
ticker: "FNB"
cik: "0000037808"
company_name: "FNB CORP/PA/"
filed_at: "2021-07-13T23:59:59+00:00"
generated_at: "2026-06-30T05:51:41.918324+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FNB to acquire Howard Bancorp in $418M all-stock deal

## Summary
- Transaction valued at $21.96/share; Howard stockholders receive 1.8 FNB shares per share.
- Pro forma FNB: ~$41B assets, $32B deposits, $27B loans; expects 4% EPS accretion, minimal TBV dilution.
- Howard has $2.6B assets, 13 offices in Baltimore/DC; deal expected to close early 2022.
- Boards unanimously approved; closing subject to regulatory approvals and Howard stockholder vote.

## SEC filing metadata
- accession: 0001193125-21-213678
- form_type: 8-K
- ticker: FNB
- cik: 0000037808
- company_name: FNB CORP/PA/
- filed_at: 2021-07-13T23:59:59+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/37808/000119312521213678/0001193125-21-213678-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000119312521213678/d202370d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-213678
- JSON: https://secwatch.observer/filing/0001193125-21-213678.json
- Plain text: https://secwatch.observer/filing/0001193125-21-213678.txt

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