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Citizens & Northern CZNC Loans held for sale activity

Loans held for sale activity at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$25.29M-0.9%
CNB Financial logo
CNB FinancialCCNE
$7.78M+173%
First Community Corporation logo
First Community CorporationFCCO
$25.4M-1.4%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$95.87M-0.9%
Northwest Bancshares logo
Northwest BancsharesNWBI
$41.55M+15.5%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$8.47M-60.4%

Other financials

Income statement

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Revenue$36.6M+35.8%
Net income$273.0K-95.7%
EPS (diluted)$0.02-95.1%

Balance sheet

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Cash & equivalents$54.8M-52.2%
Total debt$13.6M+2,280%
Total equity$335.6M+19.1%
Total assets$3.2B+21.3%

Cash flow

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Operating cash flow$8.7M+447%
CapEx$188.0K-65.3%
Free cash flow$8.5M+713%

Valuation

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Market cap$402.23M+41.5%
Enterprise value$361.02M+112%
P/E23.1×+12.6×
P/S+0.4×

Profitability

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Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

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Return on equity5.6%-4.3pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's loans held for sale activity?
Citizens & Northern (CZNC) reported loans held for sale activity of $14.96M in Q1 2026.
How has Citizens & Northern's loans held for sale activity changed year-over-year?
Citizens & Northern's loans held for sale activity increased by 172.1% year-over-year, from $5.5M to $14.96M.
What is the long-term trend for Citizens & Northern's loans held for sale activity?
Over 4 years (2021 to 2025), Citizens & Northern's loans held for sale activity has grown at a -18.1% compound annual growth rate (CAGR), from $105.52M to $47.59M.
What does loans held for sale activity mean?
Net change in mortgage and other loans originated for sale into the secondary market.