BLK
BlackRock, Inc.
BLK trails on the overall score without a compensating advantage in the available component scores.
CZNC
Citizens & Northern Corporation
CZNC 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.
CZNC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CZNC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CZNC.
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.
CZNC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 10x | $28.02 | — |
| Cheap | 11x | $23.17 | -17% |
| Fair | 13x | $26.50 | -5.4% |
| Current | 14x | $28.02 | — |
| Expensive | 16x | $32.44 | +16% |
Historical ranges are pointers, not guarantees.
CZNC 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.
CZNC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect CZNC's earnings to grow and its profitability to improve, with its revenue holding steady.
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.
CZNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.76 | +37% |
| Q3 2026 | $2.02 | +15% |
| Q2 2026 | $1.52 | -13% |
| Q1 2026 | $1.13 | -35% |
| Q4 2025 | $1.52 | -10% |
| Q3 2025 | $1.76 | +22% |
| Q2 2025 | $1.75 | +14% |
| Q1 2025 | $1.75 | +15% |
| Q4 2024 | $1.69 | +7.6% |
CZNC 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 CZNC 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.
CZNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $39.6M | +34% |
| Q2 2026 | $39.4M | +35% |
| Q1 2026 | $36.6M | +36% |
| Q4 2025 | $36.9M | +32% |
| Q3 2025 | $29.6M | +8.3% |
| Q2 2025 | $29.3M | +7.3% |
| Q1 2025 | $27M | +4.9% |
| Q4 2024 | $28M | +11% |
CZNC's revenue has grown year over year for 10 quarters in a row: $40M last quarter, up 34% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 52% | +25 points |
| Q2 2026 | 44% | +19 points |
| Q1 2026 | 0.9% | -28 points |
| Q4 2025 | 15% | -22 points |
| Q3 2025 | 27% | -1.5 points |
| Q2 2025 | 26% | -1.7 points |
| Q1 2025 | 29% | +3.4 points |
| Q4 2024 | 36% | +13 points |
CZNC 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's free cash flow was $4.8B over the past year, up 22% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BLK.
CZNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18M | +65% |
| Q2 2026 | $15.3M | +90% |
| Q1 2026 | $8.5M | +713% |
| Q4 2025 | $10.1M | -14% |
| Q3 2025 | $10.9M | +69% |
| Q2 2025 | $8M | +0.7% |
| Q1 2025 | $1M | -79% |
| Q4 2024 | $11.7M | +71% |
CZNC has the edge over BLK on cash flow, with more consistent year-over-year improvement.
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 CZNC 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 |
CZNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +21.5K shares |
| 1 year | +16% | +2.4M shares |
| 3 years | +17% | +2.6M shares |
| 5 years | +13% | +2.1M shares |
| Available history | +34% | +4.5M shares |
CZNC has 18M diluted shares, up 16% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2021 | $1.5M |
| Q1 2021 | $157,000 |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $163,000 |
| Q4 2019 | — |
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.
CZNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.3x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.7x | Very low |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -1.7x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -2.5x | Net Cash |
CZNC 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).
CZNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 71.4 | Overbought |
| Stochastic | 80.4 | Overbought |
CZNC's weekly RSI is 71 (overbought) and its Stochastic is 80 (overbought).
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.
CZNC PE vs Financial Services Sector
| Metric | CZNC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.6% above |
| PE % | 64 | 63 | 1 pt above |
CZNC 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.
CZNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.7 | 5% above |
| 20 week MA | $25.7 | 9.1% above |
| 50 week MA | $23.5 | 19% above |
| 100 week MA | $21.5 | 30% above |
| 200 week MA | $20.6 | 36% above |
CZNC is in an uptrend: it's above all five of its weekly moving averages, and 36% 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.
CZNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.4 | $19.2 | -30% |
| 2021 | $19.2 | $26.1 | +36% |
| 2022 | $26.1 | $23.3 | -11% |
| 2023 | $23.3 | $22.4 | -3.9% |
| 2024 | $22.4 | $18.5 | -17% |
| 2025 | $18.5 | $20.6 | +11% |
| 2026 YTD | $20.6 | $28.0 | +36% |
CZNC has the edge over BLK on returns for 2026, with the stronger performance.