F N B Corp SEC Filings

F.N.B. Corporation reported stronger Q3 2025 results. Net income was $150 million versus $110 million a year ago, and diluted EPS was $0.41 versus $0.30. Net interest income rose to $359 million from $323 million as total interest income increased to $596 million while interest expense declined to $237 million. The provision for credit losses was $24 million, essentially flat year over year. Non‑interest income improved to $98 million and non‑interest expense eased to $243 million.

For the nine months, net income reached $397 million (up from $355 million), with diluted EPS of $1.09. Loans and leases, net, were $34.5 billion as of September 30, 2025, up from $33.5 billion at year‑end. Deposits totaled $38.4 billion, and total assets were $49.9 billion. Shareholders’ equity increased to $6.64 billion, aided by improved accumulated other comprehensive loss. The company declared common dividends of $0.12 per share for the quarter and repurchased common stock. Shares outstanding were 358,136,583 as of October 31, 2025.

F.N.B. Corporation filed an 8-K stating it announced financial results for the quarter ended September 30, 2025. The company furnished a press release as Exhibit 99.1, dated October 16, 2025, which is incorporated by reference.

The filing is administrative in nature and does not include financial figures. F.N.B. Corporation’s common stock trades on the NYSE under the symbol FNB. The report lists the company’s principal executive offices in Pittsburgh, Pennsylvania, and is signed by the Chief Financial Officer, Vincent J. Calabrese, Jr.

FNB Financial Services, LP is offering up to $500,000,000 aggregate principal amount of nonnegotiable subordinated term, daily, and special daily notes (the “New Notes”), fully and unconditionally guaranteed by F.N.B. Corporation.

Annual interest rates effective October 15, 2025 include examples such as: Subordinated Daily Notes 1.40% (APY 1.41%), 6‑Month Subordinated Term Notes 4.10% (APY 4.16%) marked special, and 120‑Month Subordinated Term Notes 5.50% (APY 5.61%) marked special. Special Daily Notes require a minimum balance of $25,000; Jumbo Daily Notes require $100,000.

Renewals of notes issued by the Company prior to 2005 and still outstanding carry the same interest rates as their corollary New Notes.

Alfred D. Cho, appointed Chief Consumer Banking Officer, reported beneficial ownership of 33,867 shares of FNB (FNB CORP/PA) in an initial Form 3 filing. The shares were awarded at a weighted average price of $16.24 effective on his appointment date of 09/29/2025. The award is subject to a cliff vesting schedule where 100% vests on 09/29/2028, and the shares are held directly by Mr. Cho.

F.N.B. Corporation disclosed that Barry C. Robinson, its Chief Consumer Banking Officer, intends to retire effective October 10, 2025 after 15 years with the company. The filing states this change is part of the company’s executive succession planning and that Alfred D. Cho has been appointed to succeed Mr. Robinson as Chief Consumer Banking Officer.

The notice identifies a planned, orderly leadership transition rather than an abrupt departure and ties the change to the firm’s succession framework; no compensation, change-in-control, or other transactional details are disclosed in the report.