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Citizens Community Bancorp CZWI Gain (Loss) on Sales of Loans, Net

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

Citizens & Northern logo
Citizens & NorthernCZNC
$370K+80.5%
CTB
Community Trust BancorpCTBI
$51K+8.5%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$575K+102%
Southern First Bancshares logo
Southern First BancsharesSFST
$1.32M+4.3%
German American Bancorp logo
German American BancorpGABC
$1.48M+58.9%
Banner Corporation logo
Banner CorporationBANR

Other financials

Income statement

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Revenue$16.1M+13.5%
Net income$3.8M+17.5%
EPS (diluted)$0.39+21.9%

Balance sheet

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Cash & equivalents$149.2M+48.9%
Total debt$731.0K-24.6%
Total equity$190.9M+6.0%
Total assets$1.8B+2.4%

Cash flow

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Operating cash flow$4.0M+146%
CapEx$570.0K+470%
Free cash flow$3.4M+125%

Valuation

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Market cap$225.58M+67.4%
Enterprise value$77.1M+14.4%
P/E15.1×+4.2×
P/S3.5×+1.2×

Profitability

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Net margin23.3%+0.2pp
FCF margin20.1%-1.7pp

Returns & leverage

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Return on equity8.1%+0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens Community Bancorp in its filing.

Tagged under the XBRL concept us-gaap:GainLossOnSalesOfLoansNet.

The official record: Citizens Community Bancorp’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Community Bancorp's gain (loss) on sales of loans, net?
Citizens Community Bancorp (CZWI) reported gain (loss) on sales of loans, net of $1.02M in Q1 2026.
How has Citizens Community Bancorp's gain (loss) on sales of loans, net changed year-over-year?
Citizens Community Bancorp's gain (loss) on sales of loans, net increased by 41.8% year-over-year, from $720K to $1.02M.
What is the long-term trend for Citizens Community Bancorp's gain (loss) on sales of loans, net?
Over 4 years (2021 to 2025), Citizens Community Bancorp's gain (loss) on sales of loans, net has grown at a -14.2% compound annual growth rate (CAGR), from $5.4M to $2.93M.
What does gain (loss) on sales of loans, net mean?
This represents the net profit or loss recognized from the sale of loans, typically mortgage loans, to secondary market investors. It is a key component of non-interest income for banks that operate an 'originate-to-sell' business model. Fluctuations in this metric are driven by changes in loan volume, market interest rates, and the bank's pricing strategy.