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Citizens & Northern CZNC Gain (Loss) on Sales of Loans, Net

Gain (Loss) on Sales of Loans, Net at other companies

CTB
Community Trust BancorpCTBI
$51K+8.5%
UBS
United BanksharesUBSI
$2.39M-40.4%
First Community Corporation logo
First Community CorporationFCCO
Prosperity Bancshares logo
Prosperity BancsharesPB

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:GainLossOnSalesOfLoansNet.

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 gain (loss) on sales of loans, net?
Citizens & Northern (CZNC) reported gain (loss) on sales of loans, net of $370K in Q1 2026.
How has Citizens & Northern's gain (loss) on sales of loans, net changed year-over-year?
Citizens & Northern's gain (loss) on sales of loans, net increased by 80.5% year-over-year, from $205K to $370K.
What is the long-term trend for Citizens & Northern's gain (loss) on sales of loans, net?
Over 4 years (2021 to 2025), Citizens & Northern's gain (loss) on sales of loans, net has grown at a -18.9% compound annual growth rate (CAGR), from $3.43M to $1.48M.
What does gain (loss) on sales of loans, net mean?
This represents the net profit or loss realized from the sale of loans, typically mortgage loans, to secondary market investors. It reflects the bank's ability to originate loans at a premium relative to their carrying value. This is a key indicator of the bank's mortgage banking operational efficiency and market pricing power.