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Citizens & Northern CZNC Net gains/(losses) on sales of loans

Net gains/(losses) on sales of loans at other companies

CTB
Community Trust BancorpCTBI
$51K+8.5%
United Community Banks logo
United Community BanksUCB
$1.89M+35.6%
Center Bancorp logo
Center BancorpCNOB
UBS
United BanksharesUBSI
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 net gains/(losses) on sales of loans?
Citizens & Northern (CZNC) reported net gains/(losses) on sales of loans of $370K in Q1 2026.
How has Citizens & Northern's net gains/(losses) on sales of loans changed year-over-year?
Citizens & Northern's net gains/(losses) on sales of loans increased by 80.5% year-over-year, from $205K to $370K.
What is the long-term trend for Citizens & Northern's net gains/(losses) on sales of loans?
Over 4 years (2021 to 2025), Citizens & Northern's net gains/(losses) on sales of loans has grown at a -18.9% compound annual growth rate (CAGR), from $3.43M to $1.48M.
What does net gains/(losses) on sales of loans mean?
This metric represents the net realized gains or losses resulting from the sale of loan portfolios to third-party investors or secondary markets. It reflects the bank's ability to manage its balance sheet liquidity and generate non-interest income through active loan portfolio management.