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Citizens & Northern CZNC Mortgage Servicing Rights MSR Impairment Recovery

Mortgage Servicing Rights MSR Impairment Recovery at other companies

Capital City Bank Group logo
Capital City Bank GroupCCBG
$0—
CTB
Community Trust BancorpCTBI
$45K-84.2%

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/S3×+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 / equity0×0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:MortgageServicingRightsMSRImpairmentRecovery.

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 mortgage servicing rights MSR impairment recovery?
Citizens & Northern (CZNC) reported mortgage servicing rights MSR impairment recovery of $172K in Q1 2026.
How has Citizens & Northern's mortgage servicing rights MSR impairment recovery changed year-over-year?
Citizens & Northern's mortgage servicing rights MSR impairment recovery increased by 149.3% year-over-year, from $69K to $172K.
What is the long-term trend for Citizens & Northern's mortgage servicing rights MSR impairment recovery?
Over 3 years (2021 to 2025), Citizens & Northern's mortgage servicing rights MSR impairment recovery has grown at a 56.0% compound annual growth rate (CAGR), from $68K to $258K.
What does mortgage servicing rights MSR impairment recovery mean?
This represents the reversal of previously recognized impairment charges on the value of mortgage servicing rights. It occurs when the fair value of the servicing asset increases due to changes in market interest rates or prepayment assumptions. This metric highlights the volatility and recovery potential of the bank's mortgage servicing portfolio.