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PNC Financial Services PNC Allowance for unfunded lending related commitments

Allowance for unfunded lending related commitments at other companies

WSFS Financial logo
WSFS FinancialWSFS
$28.74M-13.6%
PNC Financial Services logo
PNC Financial ServicesPNC
$201M+13.6%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$684K+0.3%
Phillips 66 logo
Phillips 66PSX
$72M-20.9%
Asset Entities logo
Asset EntitiesASST
$0-100%
OceanFirst Financial logo
OceanFirst FinancialOCFC
$1.79M-35.9%

Other financials

Income statement

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Revenue$6.9B+21.4%
Net income$2.0B+25.4%
EPS (diluted)$4.81+24.9%

Balance sheet

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Cash & equivalents$28.7B-2.2%
Total debt$106.73B+76.6%
Total equity$64.0B+11.1%
Total assets$616.03B+10.2%

Cash flow

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Operating cash flow$2.1B+45.1%

Valuation

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Market cap$100.85B+35.8%
Enterprise value$178.83B+69.9%
P/E13.2×+1.3×
P/S+0.7×

Profitability

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Net margin30.6%+2.3pp

Returns & leverage

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Return on equity12.6%+1.3pp
Debt / equity1.7×+0.6×

Where this comes from

Reported directly by PNC Financial Services in its filing.

Tagged under the XBRL concept us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther.

The source filing: PNC Financial Services’s 10-K, filed February 20, 2026.

Filed
Feb 20, 2026, 1:54 PM EST
Fiscal year
FY2025
Accession
0000713676-26-000020
In millionsDecember 31, 2025December 31, 2024
Allowance for loan and lease losses1,0721,105
Lease obligations494475
Compensation and benefits312312
Allowance for unfunded lending related commitments201177
Accrued expenses65188
Other238340
Total gross deferred tax assets3,5194,695
Valuation allowance(24)(23)

ITEM 8 – FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is PNC Financial Services's allowance for unfunded lending related commitments?
PNC Financial Services (PNC) reported allowance for unfunded lending related commitments of $201M in Q4 2025.
How has PNC Financial Services's allowance for unfunded lending related commitments changed year-over-year?
PNC Financial Services's allowance for unfunded lending related commitments increased by 13.6% year-over-year, from $177M to $201M.
What is the long-term trend for PNC Financial Services's allowance for unfunded lending related commitments?
Over 5 years (2020 to 2025), PNC Financial Services's allowance for unfunded lending related commitments has grown at a 7.3% compound annual growth rate (CAGR), from $141M to $201M.
What does allowance for unfunded lending related commitments mean?
This metric tracks the deferred tax assets related to reserves established for unfunded lending commitments, such as lines of credit or letters of credit. These reserves are recognized as liabilities for accounting purposes before they are deductible for tax purposes. It provides insight into the tax-advantaged nature of the company's credit commitment management.

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