---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-213685"
form_type: "8-K"
ticker: "FNB"
cik: "0000037808"
company_name: "FNB CORP/PA/"
filed_at: "2021-07-13T23:59:59+00:00"
generated_at: "2026-06-30T05:51:58.918064+00:00"
event_type: "m_and_a"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FNB to acquire Howard Bancorp in all-stock merger; exchange ratio 1.80, expected close early 2022

## Summary
- Howard shareholders will receive 1.80 shares of FNB common stock per Howard share.
- Merger expected to close in early 2022, subject to regulatory approvals and Howard stockholder vote.
- Howard must pay FNB a termination fee of $15.0 million under certain conditions.
- Howard Bank will merge into First National Bank of Pennsylvania after the Merger.
- Certain Howard directors entered voting agreements to support the Merger.

## SEC filing metadata
- accession: 0001193125-21-213685
- 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: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 1.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/37808/000119312521213685/0001193125-21-213685-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000119312521213685/d118861d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-213685
- JSON: https://secwatch.observer/filing/0001193125-21-213685.json
- Plain text: https://secwatch.observer/filing/0001193125-21-213685.txt

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