BLK
BlackRock, Inc.
BLK offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
CIVB
Civista Bancshares, Inc.
CIVB has the edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
CIVB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CIVB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIVB.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
CIVB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.4x | $17.69 | -38% |
| Fair | 8.8x | $24.35 | -15% |
| Forward | 9.8x | $28.72 | — |
| Expensive | 10x | $28.37 | -1.2% |
| Current | 10x | $28.72 | — |
Historical ranges are pointers, not guarantees.
CIVB has the edge over BLK in the historical PE scenario, which offers more potential upside but is not a forecast.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
CIVB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CIVB, with profitability improving.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
CIVB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.93 | +5.8% |
| Q3 2026 | $2.77 | +3.7% |
| Q2 2026 | $2.68 | +6.3% |
| Q1 2026 | $2.70 | +19% |
| Q4 2025 | $2.64 | +31% |
| Q3 2025 | $2.67 | +34% |
| Q2 2025 | $2.52 | +18% |
| Q1 2025 | $2.26 | -2.6% |
| Q4 2024 | $2.01 | -26% |
CIVB has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over CIVB on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK's operating margin was 30% last quarter, about level with the same quarter a year ago, near the bottom of its range since 2019.
CIVB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $49.1M | +11% |
| Q2 2026 | $47.6M | +15% |
| Q1 2026 | $47.3M | +16% |
| Q4 2025 | $46.3M | +15% |
| Q3 2025 | $44.2M | +14% |
| Q2 2025 | $41.4M | +8.1% |
| Q1 2025 | $40.6M | +10% |
| Q4 2024 | $40.4M | +3.8% |
CIVB's revenue has grown year over year for eight quarters in a row: $49M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +4.9 points |
| Q2 2026 | 36% | +4.9 points |
| Q1 2026 | 38% | +8.7 points |
| Q4 2025 | 32% | +3.6 points |
| Q3 2025 | 35% | +9.9 points |
| Q2 2025 | 31% | +10 points |
| Q1 2025 | 29% | +9.9 points |
| Q4 2024 | 28% | -0.7 points |
CIVB has the edge over BLK on profitability, with a higher operating margin.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
CIVB has the stronger cash trend. Its trailing FCF is up 102% versus its history, compared with BLK at up 20%.
CIVB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $27.6M | +45% |
| Q2 2026 | $17.1M | +54% |
| Q1 2026 | $12.2M | +253% |
| Q3 2025 | $19M | +47% |
| Q2 2025 | $11.1M | -7.4% |
| Q1 2025 | $3.5M | +449% |
| Q3 2024 | $12.9M | -38% |
| Q2 2024 | $12M | -38% |
CIVB's free cash flow was $76M over the past year, up 92% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CIVB.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has the edge over CIVB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
CIVB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10.5K shares |
| 1 year | +11% | +2M shares |
| 3 years | +32% | +5M shares |
| 5 years | +37% | +5.6M shares |
| Available history | +23% | +3.8M shares |
CIVB has 21M diluted shares, up 11% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.2M |
| Q2 2026 | — |
| Q1 2026 | $318,000 |
| Q4 2025 | $4,000 |
| Q3 2025 | $7,000 |
| Q2 2025 | — |
| Q1 2025 | $167,000 |
| Q4 2024 | — |
CIVB spent $3M buying back its own shares over the past year, more than ten times what it spent the year before.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
CIVB Net Leverage
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
CIVB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.3 | Neutral |
| Stochastic | 65.3 | Neutral |
CIVB's weekly RSI is 63 (neutral) and its Stochastic is 65 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
CIVB PE vs Financial Services Sector
| Metric | CIVB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 85 | 63 | 22 pts above |
CIVB has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK is in an uptrend: it's above all five of its weekly moving averages, and 33% above its 200-week average.
CIVB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.6 | 4% above |
| 20 week MA | $27.9 | 3% above |
| 50 week MA | $25.7 | 12% above |
| 100 week MA | $23.4 | 23% above |
| 200 week MA | $20.3 | 42% above |
CIVB is in an uptrend: it's above all five of its weekly moving averages, and 42% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has finished higher in five of the last six years. It's up 12% so far in 2026.
CIVB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.9 | $16.8 | -30% |
| 2021 | $16.8 | $24.6 | +46% |
| 2022 | $24.6 | $22.1 | -10% |
| 2023 | $22.1 | $18.4 | -16% |
| 2024 | $18.4 | $21.1 | +14% |
| 2025 | $21.1 | $23.0 | +9.1% |
| 2026 YTD | $23.0 | $28.7 | +25% |
CIVB has the edge over BLK on returns for 2026, with the stronger performance.