Every material Form 8-K FNB has filed with the SEC since April 18, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
F.N.B. Corporation reported third quarter 2026 results on October 19, 2026, with net income of $152.9 million, or $0.43 per diluted common share, up from $149.5 million, or $0.41, a year earlier. The bank cited record net interest income of $376.5 million and a net interest margin of 3.29%, and said there were no significant items affecting operating earnings in the quarter. Shareholders also benefited from tangible book value per common share rising 7.0% year over year to $12.28.
Net income of $152.9 million, or $0.43 per diluted share, versus $149.5 million, or $0.41, in Q3 2025 and $148.7 million, or $0.42, in Q2 2026
Net interest income of $376.5 million, up 4.8% from a year earlier, with net interest margin (FTE, non-GAAP) at 3.29%
Non-interest income fell 5.7% to $92.6 million, and the company repurchased $51 million of common stock in the quarter
F.N.B. Corporation reported second quarter 2026 net income of $148.7 million, or $0.42 per diluted share, up from $130.7 million, or $0.36, a year earlier. The company said revenue reached a record $462.7 million, and it repurchased $47 million of common stock during the quarter.
Net income was $148.7 million, or $0.42 per diluted share, versus $130.7 million, or $0.36, in Q2 2025 and $137.0 million, or $0.38, in Q1 2026.
Average loans and leases totaled $35.5 billion, up 2.9% from a year earlier, and average deposits totaled $38.7 billion, up 4.1%.
Provision for credit losses was $21.4 million, compared with $25.6 million in Q2 2025; net charge-offs were $17.0 million.
The company repurchased $47 million, or 2.7 million shares, of common stock at a weighted average price of $17.46.
F.N.B. Corporation disclosed that David B. Mitchell, II, its Chief Wholesale Banking Officer, announced on May 15, 2026 his intention to retire effective July 2, 2026. The filing does not name a successor or describe the reasons for the departure.
David B. Mitchell, II, Chief Wholesale Banking Officer, announced his intention to retire on May 15, 2026
Retirement is effective July 2, 2026
The filing does not name a successor or discuss financial impact
At its May 6, 2026 annual meeting, F.N.B. shareholders elected all ten director nominees to serve until the 2027 Annual Meeting and approved the advisory vote on 2025 executive compensation and the ratification of Ernst & Young LLP as auditor for 2026. Separately, lead independent director William B. Campbell, a director since 1975, retired from the board effective May 6, 2026. The filing reports routine governance outcomes with broad shareholder support.
William B. Campbell, lead independent director and board member since 1975, retired effective May 6, 2026
All ten director nominees were elected; the lowest support was William J. Strimbu at 93.68% for, and Mary Jo Dively had the highest at 99.33%
Advisory say-on-pay resolution approved with 96.55% of votes cast in favor
Ernst & Young LLP ratified as independent registered public accounting firm for 2026 with 97.44% in favor
F.N.B. Corporation reported first-quarter 2026 net income of $137.0 million, or $0.38 per diluted share, up from $116.5 million, or $0.32, in the first quarter of 2025. Results were down from the fourth quarter of 2025, which included $16.6 million of pre-tax significant items, and the company also announced an 8% dividend increase and a new $250 million share repurchase program.
Net income was $137.0 million, up from $116.5 million in the first quarter of 2025 and down from $168.7 million in the fourth quarter of 2025.
Diluted EPS was $0.38, compared with $0.32 a year earlier and $0.47 in the fourth quarter of 2025; fourth-quarter operating EPS was $0.50.
The quarterly common dividend rises 8% to $0.13 per share, payable June 15, 2026.
On April 14, 2026, FNB authorized a new $250 million repurchase program; total repurchase capacity is $300 million.
F.N.B. Corporation reported fourth-quarter 2025 net income available to common shareholders of $168.7 million, or $0.47 per diluted share, up from $109.9 million, or $0.30, a year earlier. Full-year 2025 net income was $565.4 million, or $1.56 per diluted share, up 23% from 2024, which matters to shareholders because it reflects higher reported earnings per share.
Q4 2025 operating EPS (non-GAAP) was $0.50, excluding $16.6 million pre-tax of significant items, including a $20.0 million contribution to the FNB Foundation
Full-year 2025 operating EPS (non-GAAP) was $1.59, compared with $1.39 in 2024
Net interest income was a record $365.4 million in Q4 2025, up $43.2 million, or 13.4%, from Q4 2024
Common Equity Tier 1 ratio was an estimated 11.4% at December 31, 2025, compared with 10.6% a year earlier; the company repurchased $18 million of common stock in Q4 2025
F.N.B. Corporation reported third-quarter 2025 net income available to common shareholders of $149.5 million, or $0.41 per diluted share, up from $0.30 a year earlier and $0.36 in the prior quarter. Revenue of $457 million was described as a record, and the company said its CET1 capital ratio rose to 11.0% (estimated), which bears on shareholders as a measure of capital strength.
Net income available to common shareholders was $149.5 million, or $0.41 per diluted share, versus $110.1 million, or $0.30, in Q3 2024
Revenue of $457 million; net interest income totaled $359.3 million and non-interest income a record $98.2 million
CET1 regulatory capital ratio was 11.0% (estimated), up from 10.4% a year earlier; tangible book value per share was $11.48
Provision for credit losses was $24.0 million, with net charge-offs of $19.7 million, or 0.22% annualized of average loans
F.N.B. Corporation said Chief Consumer Banking Officer Barry Robinson will retire effective October 10, 2025, after 15 years of service. The company named Alfred D. Cho, who has more than 25 years of strategic consulting, investment banking and financial institutions experience, to succeed him, as part of its executive succession plan.
Barry C. Robinson announced his retirement on August 22, 2025, effective October 10, 2025
Alfred D. Cho appointed Chief Consumer Banking Officer, succeeding Robinson upon his retirement
Cho will oversee Retail Sales and Distribution, Small Business Banking, Mortgage Services, Consumer Banking Solutions and Consumer Product Development
Cho will report to Chairman, President and CEO Vincent J. Delie, Jr.; prior experience includes J.P. Morgan, Bank of America and Truist
F.N.B. Corporation reported second quarter 2025 net income available to common shareholders of $130.7 million, or $0.36 per diluted share, up from $123.0 million, or $0.34, a year earlier and $116.5 million, or $0.32, in the first quarter of 2025. Record revenue of $438 million rose 6.5% from the prior quarter, driven mainly by margin expansion, and the company reported a CET1 ratio of 10.8% (estimated).
Net income available to common shareholders was $130.7 million, or $0.36 per diluted share, versus $0.34 in Q2 2024 and $0.32 in Q1 2025.
Record net interest income of $347.2 million rose $23.4 million, or 7.2%, from the prior quarter, and net interest margin (FTE) was 3.19%.
Provision for credit losses was $25.6 million, up from $17.5 million in the prior quarter, with net charge-offs of $21.8 million.
The company repurchased 0.7 million shares at a weighted average price of $13.85 in the second quarter, and tangible book value per share rose to $11.14.
F.N.B. Corporation reported first-quarter 2025 net income available to common shareholders of $116.5 million, or $0.32 per diluted share, flat with the same quarter a year earlier. Net interest income rose 1.5% from a year earlier, but operating earnings per diluted share fell to $0.32 from $0.34, so the headline measures point in different directions.
Net income available to common shareholders was $116.5 million, or $0.32 per diluted share, versus $116.3 million, or $0.32, in Q1 2024 and $109.9 million, or $0.30, in Q4 2024.
Operating EPS (non-GAAP) was $0.32, compared with $0.34 in Q1 2024 and $0.38 in Q4 2024.
Net interest income was $323.8 million, up 1.5% from a year earlier; non-interest income was $87.8 million, compared with $87.9 million.
Tangible book value per share (non-GAAP) was $10.83, up 12.3% from March 31, 2024; the CET1 ratio was 10.7% (estimated).
FNB reported fourth-quarter 2024 net income available to common stockholders of $109.9 million, or $0.30 per diluted share, up from $48.7 million, or $0.13, a year earlier and flat with the third quarter. Operating EPS was $0.38 (non-GAAP), excluding $0.08 per share of significant items, including a $34.0 million pre-tax realized loss on a securities restructuring. Full-year 2024 net income was $459.3 million, or $1.27 per diluted share, versus $1.31 in 2023, and full-year operating EPS fell to $1.39 from $1.57.
Q4 2024 net income of $109.9 million, or $0.30 per diluted share, vs. $0.13 in Q4 2023 and $0.30 in Q3 2024
Q4 2024 operating EPS (non-GAAP) of $0.38, equal to Q4 2023 and up from $0.34 in Q3 2024
Full-year 2024 EPS of $1.27 vs. $1.31 in 2023; full-year operating EPS of $1.39 vs. $1.57
Tangible book value per share (non-GAAP) of $10.49 at December 31, 2024, up 10.8% year over year; CET1 ratio of 10.6% (estimated)
F.N.B. Corporation completed a $500 million offering of senior notes due December 11, 2030, receiving net proceeds of $498.25 million before estimated transaction expenses. The company plans to use the proceeds for general corporate purposes, including holding company investments, capital for First National Bank of Pennsylvania, and refinancing existing debt, which adds to its outstanding debt obligations.
Principal amount of $500 million, sold at 100% of par, with a 5.722% fixed rate until December 11, 2029
Floating rate after December 11, 2029 equal to Compounded SOFR plus 1.93%
Net proceeds of $498.25 million after underwriting discount, before estimated transaction expenses
Notes issued under a third supplemental indenture dated December 11, 2024 with Wilmington Trust, National Association, as trustee
F.N.B. Corporation entered into an underwriting agreement on December 4, 2024 to sell $500 million of its 5.722% fixed-to-floating rate senior notes due 2030. The offering is being made under an existing shelf registration, and the company expects it to close on December 11, 2024, subject to customary conditions. The filing does not state the intended use of proceeds.
Notes: $500 million aggregate principal amount of 5.722% Fixed Rate/Floating Rate Senior Notes due 2030
Underwriting agreement dated December 4, 2024, with Morgan Stanley & Co. LLC and BofA Securities, Inc. as representatives of the underwriters
Expected closing date: December 11, 2024, subject to customary closing conditions
Offering made under Form S-3 shelf registration (File No. 333-281868)
F.N.B. Corporation reported third-quarter 2024 net income available to common stockholders of $110.1 million, or $0.30 per diluted share, down from $143.3 million, or $0.40, a year earlier and $123.0 million, or $0.34, in the second quarter. Non-interest income reached a record $89.7 million, but net interest income fell 1.0% from a year earlier and the company booked $15.3 million of pre-tax significant items, so shareholders see lower reported earnings despite growth in some revenue lines.
Net income to common stockholders was $110.1 million, or $0.30 per diluted share, versus $143.3 million, or $0.40, in Q3 2023 and $123.0 million, or $0.34, in Q2 2024.
Operating EPS was $0.34, excluding $0.04 per share of significant items, including an $11.6 million pre-tax loss on an indirect auto loan sale and a $3.7 million software impairment.
Non-interest income was a record $89.7 million, up 10.0% from the year-ago quarter.
Period-end total deposits rose $2.2 billion, or 6.2%, year over year, and the loan-to-deposit ratio was 92% at September 30, 2024.
F.N.B. Corporation reported second quarter 2024 net income available to common stockholders of $123.0 million, or $0.34 per diluted share, down from $140.4 million, or $0.39 per share, a year earlier but up from $116.3 million, or $0.32 per share, in the first quarter. Net interest income fell 4.1% from a year earlier to $315.9 million, while period-end total loans and leases rose 7.7% year over year. Tangible book value per common share reached $9.88, up 12.4% from a year earlier, and the filing gives no updated earnings guidance.
Q2 2024 net income available to common stockholders was $123.0 million, or $0.34 per diluted share, versus $140.4 million, or $0.39, in Q2 2023 and $116.3 million, or $0.32, in Q1 2024.
Net interest income was $315.9 million, down 4.1% from a year earlier and down $3.1 million from the prior quarter.
Period-end total loans and leases increased $2.4 billion, or 7.7%, year over year.
Tangible book value per common share was $9.88 at June 30, 2024, up $1.09, or 12.4%, from a year earlier.
F.N.B. Corporation reported first-quarter 2024 net income available to common stockholders of $116.3 million, or $0.32 per diluted share, down from $144.5 million, or $0.40, in the first quarter of 2023 but up from $48.7 million, or $0.13, in the fourth quarter of 2023. Excluding significant items, operating EPS was $0.34, compared with $0.40 a year earlier and $0.38 in the prior quarter.
Net income available to common stockholders was $116.3 million, or $0.32 per diluted share, versus $144.5 million, or $0.40, in Q1 2023.
Operating EPS (non-GAAP) was $0.34, versus $0.40 in Q1 2023 and $0.38 in Q4 2023.
Non-interest income rose 10.7% year over year to $87.9 million.
Tangible book value per common share (non-GAAP) reached $9.64, up 11.3% from $8.66 a year earlier; the estimated CET1 ratio was a record 10.2%.
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