BLK
BlackRock, Inc.
BLK has lower modeled downside risk, despite its lower overall score.
CZFS
Citizens Financial Services, Inc.
CZFS 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.
CZFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CZFS's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CZFS.
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.
CZFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $70.82 | -17% |
| Fair | 9.3x | $82.98 | -2.9% |
| Forward | 9.3x | $85.48 | — |
| Current | 9.6x | $85.48 | — |
| Expensive | 11x | $97.78 | +14% |
Historical ranges are pointers, not guarantees.
CZFS 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.
CZFS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CZFS, but weaker profitability.
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.
CZFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.22 | +3.2% |
| Q3 2026 | $8.93 | +26% |
| Q2 2026 | $8.54 | +29% |
| Q1 2026 | $8.18 | +37% |
| Q4 2025 | $7.62 | +30% |
| Q3 2025 | $7.11 | +20% |
| Q2 2025 | $6.61 | +11% |
| Q1 2025 | $5.96 | +56% |
| Q4 2024 | $5.85 | +44% |
CZFS 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 CZFS 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.
CZFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $31.6M | +8.9% |
| Q2 2026 | $29.7M | +8.8% |
| Q1 2026 | $29.8M | +13% |
| Q4 2025 | $29.6M | +13% |
| Q3 2025 | $29M | +16% |
| Q2 2025 | $27.3M | +11% |
| Q1 2025 | $26.4M | +1.9% |
| Q4 2024 | $26.2M | +3.4% |
CZFS's revenue has grown year over year for eight quarters in a row: $32M last quarter, up 8.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +3.4 points |
| Q2 2026 | 42% | +3.4 points |
| Q1 2026 | 43% | +7.1 points |
| Q4 2025 | 44% | +7.8 points |
| Q3 2025 | 43% | +5.8 points |
| Q2 2025 | 38% | +12 points |
| Q1 2025 | 35% | +2.7 points |
| Q4 2024 | 36% | 0 points |
CZFS 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% |
BLK has the edge over CZFS on cash flow, with more consistent year-over-year improvement.
CZFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5M | +84% |
| Q2 2026 | -$376K | -107% |
| Q1 2026 | $17.9M | +73% |
| Q4 2025 | $16.7M | +66% |
| Q3 2025 | $2.7M | -51% |
| Q2 2025 | $5.5M | +90% |
| Q1 2025 | $10.4M | -22% |
| Q4 2024 | $10M | -37% |
CZFS's free cash flow was $39M over the past year, up 37% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CZFS.
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 CZFS 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 |
CZFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +214 shares |
| 1 year | +0.1% | +4.4K shares |
| 3 years | +2.2% | +102K shares |
| 5 years | +22% | +853K shares |
| Available history | +36% | +1.3M shares |
CZFS has 5M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $13,000 |
| Q2 2026 | $147,000 |
| Q1 2026 | $158,000 |
| Q4 2025 | $15,000 |
| Q3 2025 | $77,000 |
| Q2 2025 | $239,000 |
| Q1 2025 | $57,000 |
| Q4 2024 | $2,000 |
CZFS has spent almost nothing on buybacks in the past year.
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.
CZFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -1.2x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
CZFS has the edge over BLK on leverage, with a lower net debt burden relative to earnings.
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).
CZFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.3 | Neutral |
| Stochastic | 74.7 | Neutral |
CZFS's weekly RSI is 67 (neutral) and its Stochastic is 75 (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.
CZFS PE vs Financial Services Sector
| Metric | CZFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 57 | 63 | 6 pts below |
CZFS 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.
CZFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $82.4 | 3.8% above |
| 20 week MA | $80.0 | 6.9% above |
| 50 week MA | $69.9 | 22% above |
| 100 week MA | $64.2 | 33% above |
| 200 week MA | $62.0 | 38% above |
CZFS is in an uptrend: it's above all five of its weekly moving averages, and 38% 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.
CZFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $57.5 | $47.3 | -18% |
| 2021 | $47.3 | $58.0 | +22% |
| 2022 | $58.0 | $76.2 | +31% |
| 2023 | $76.2 | $63.4 | -17% |
| 2024 | $63.4 | $63.4 | -0.1% |
| 2025 | $63.4 | $58.1 | -8.3% |
| 2026 YTD | $58.1 | $85.5 | +47% |
CZFS has the edge over BLK on returns for 2026, with the stronger performance.