BLK
BlackRock, Inc.
BLK has the edge over CZWI overall, supported by stronger valuation and stronger fundamentals.
CZWI
Citizens Community Bancorp, Inc.
CZWI trails on the overall score without a compensating advantage in the available component scores.
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.
CZWI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CZWI'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 CZWI.
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 has the edge over CZWI in the historical PE scenario, which offers more potential upside but is not a forecast.
CZWI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $10.36 | -56% |
| Fair | 9.1x | $13.62 | -42% |
| Expensive | 13x | $19.92 | -15% |
| Current | 16x | $23.44 | — |
Historical ranges are pointers, not guarantees.
CZWI's PE is in its expensive range at 16x.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
CZWI Forward outlook
There aren't enough analyst estimates for CZWI to show an outlook.
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.
CZWI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.50 | +15% |
| Q2 2026 | $1.31 | +4.8% |
| Q1 2026 | $1.53 | +20% |
| Q4 2025 | $1.46 | +9% |
| Q3 2025 | $1.30 | -7.8% |
| Q2 2025 | $1.25 | -6% |
| Q1 2025 | $1.27 | -1.6% |
| Q4 2024 | $1.34 | +7.2% |
CZWI 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 CZWI on sales, with more consistent year-over-year improvement.
| 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.
CZWI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $17.4M | +7% |
| Q2 2026 | $16.1M | -0.2% |
| Q1 2026 | $16.1M | +14% |
| Q4 2025 | $15.8M | +15% |
| Q3 2025 | $16.2M | +14% |
| Q2 2025 | $16.1M | +20% |
| Q1 2025 | $14.2M | -6.5% |
| Q4 2024 | $13.7M | -3.6% |
CZWI's revenue has picked up after two years of holding roughly level: $17M last quarter, up 7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | +10 points |
| Q2 2026 | 7.7% | -17 points |
| Q1 2026 | 29% | +0.7 points |
| Q4 2025 | 31% | +6.5 points |
| Q3 2025 | 28% | -1.5 points |
| Q2 2025 | 25% | -9.9 points |
| Q1 2025 | 28% | -6.2 points |
| Q4 2024 | 24% | -8.3 points |
CZWI 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 CZWI on cash flow, with more consistent year-over-year improvement.
CZWI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.1M | -18% |
| Q2 2026 | $6.4M | +$7.1M |
| Q1 2026 | $3.4M | +125% |
| Q4 2025 | $3.3M | +39% |
| Q3 2025 | $6.2M | +87% |
| Q2 2025 | -$632K | -113% |
| Q1 2025 | $1.5M | -83% |
| Q4 2024 | $2.4M | -30% |
CZWI's free cash flow was $18M over the past year, up 92% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CZWI.
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 165M diluted shares, about the same as a year ago.
| 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 |
CZWI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10K shares |
| 1 year | -2.9% | -284K shares |
| 3 years | -8% | -833K shares |
| 5 years | -11% | -1.3M shares |
| Available history | -13% | -1.5M shares |
CZWI has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.5M |
| Q4 2025 | $4M |
| Q3 2025 | $2M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | $1.4M |
| Q3 2024 | $2.9M |
| Q2 2024 | $1.2M |
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.
CZWI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.2x | Net Cash |
| Q2 2026 | -4.0x | Net Cash |
| Q1 2026 | -4.7x | Net Cash |
| Q4 2025 | -3.3x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | 0.6x | Very low |
CZWI 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).
CZWI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.1 | Neutral |
| Stochastic | 78.7 | Neutral |
CZWI's weekly RSI is 66 (neutral) and its Stochastic is 79 (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.
CZWI PE vs Financial Services Sector
| Metric | CZWI | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 20% above |
| PE % | 92 | 63 | 29 pts above |
CZWI 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.
CZWI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.1 | 6.2% above |
| 20 week MA | $22.1 | 6.1% above |
| 50 week MA | $20.5 | 14% above |
| 100 week MA | $17.9 | 31% above |
| 200 week MA | $14.7 | 59% above |
CZWI is in an uptrend: it's above all five of its weekly moving averages, and 59% 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.
CZWI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.3 | $11.0 | -10% |
| 2021 | $11.0 | $13.8 | +25% |
| 2022 | $13.8 | $11.8 | -14% |
| 2023 | $11.8 | $11.7 | -0.4% |
| 2024 | $11.7 | $16.5 | +41% |
| 2025 | $16.5 | $18.0 | +8.9% |
| 2026 YTD | $18.0 | $23.4 | +31% |
CZWI has the edge over BLK on returns for 2026, with the stronger performance.