Alfred D. Cho of FNB (FNB) receives 8,911-share restricted stock grant

Rhea-AI Filing Summary

FNB Corp. reported that Chief Consumer Banking Officer Alfred D. Cho acquired an award of 8,911 shares of common stock on February 18, 2026 through a grant of time-based restricted stock units at $18.18 per share. Following this equity award, his directly held stake increased to 43,010 shares. The restricted stock units vest in three tranches on March 18, 2027, January 18, 2028 and January 18, 2029, tying a portion of his compensation to FNB’s long-term performance.

Insights

Equity compensation analyst

Executive receives multi-year restricted stock award, a standard long-term incentive.

Chief Consumer Banking Officer Alfred D. Cho received 8,911 time-based restricted stock units at $18.18 per share on February 18, 2026. This is classified as a grant or award acquisition and raises his directly held position to 43,010 shares.

The award vests in three installments on March 18, 2027, January 18, 2028 and January 18, 2029. Time-based vesting is typical for executive incentives and encourages retention over the stated period. Actual value realized will depend on FNB’s share price when each tranche vests.

This is a routine executive compensation event rather than an open-market purchase or sale. It does not by itself signal a change in outlook, but it modestly increases insider equity exposure, aligning part of compensation with long-term shareholder outcomes over the 2027–2029 vesting dates.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Cho Alfred D.

Role Chief Consumer Banking Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	8,911	$18.18	$162K

Holdings After Transaction: Common Stock — 43,010 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Cho Alfred D.

(Last) (First) (Middle)

626 WASHINGTON PLACE

(Street)

PITTSBURGH PA 15219

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FNB CORP/PA/ [ FNB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Consumer Banking Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/18/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/18/2026		A		8,911(1)	A	$18.18	43,010	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Awarded Time-Based Restricted Stock Units. Vesting of the Restricted Share Units will take place on three different dates. A portion of the Restricted Share Units will vest on March 18 ,2027, January 18, 2028 and January18, 2029.

Remarks:

	Alfred D. Cho	02/20/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Alfred D. Cho report in the latest FNB (FNB) Form 4 filing?

Alfred D. Cho reported receiving an award of 8,911 time-based restricted stock units. The units were granted at a reference price of $18.18 per share, increasing his directly held common stock position to 43,010 shares after the transaction.

Was the FNB (FNB) Form 4 transaction a buy or a grant for Alfred D. Cho?

The Form 4 transaction was a grant, not an open-market buy. It is coded as an acquisition (transaction code A), representing an equity award of 8,911 restricted stock units as part of executive compensation rather than a discretionary share purchase.

When do Alfred D. Cho’s FNB restricted stock units from this Form 4 vest?

The awarded restricted stock units vest over three future dates. According to the footnote, portions of the grant will vest on March 18, 2027, January 18, 2028 and January 18, 2029, creating a multi-year retention and incentive schedule for the executive.

How many FNB shares does Alfred D. Cho own after the reported Form 4 transaction?

After the reported grant, Alfred D. Cho’s directly held common stock position is 43,010 shares. This figure includes the impact of the 8,911-share equity award reported in the filing, as disclosed in the post-transaction ownership column.

What is the significance of transaction code A in the FNB (FNB) Form 4?

Transaction code A in this Form 4 indicates a grant, award, or other acquisition. For Alfred D. Cho, it reflects the issuance of 8,911 time-based restricted stock units as compensation, rather than a market purchase or sale of existing FNB shares.

Does the FNB Form 4 indicate any stock sales by Alfred D. Cho?

The Form 4 does not report any stock sales by Alfred D. Cho. It only shows one acquisition transaction coded A, representing an 8,911-share restricted stock unit grant that increases his directly held common stock holdings to 43,010 shares.