BLK

BlackRock, Inc.

50
Fundamentals63/ 100
Valuation31/ 100
Upside potential50/ 100
Risk potential15/ 100

BLK trails on the overall score without a compensating advantage in the available component scores.

NWFL

Norwood Financial Corp.

64
Fundamentals84/ 100
Valuation48/ 100
Upside potential62/ 100
Risk potential14/ 100

NWFL has the edge over BLK overall, supported by stronger fundamentals and stronger valuation.

BLK Fundamentals

MetricStatus
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.

NWFL Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

NWFL's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like NWFL.

BLK PE Valuation

CHEAPFAIREXPENSIVE7.8x16x23x31x
CHEAPFAIREXPENSIVE7.8x16x23x31x
LevelPEPriceVs current
Cheap19x$848-30%
Fair22x$973-20%
Expensive26x$1,149-5.5%
Current28x$1,217—

Historical ranges are pointers, not guarantees.

BLK's PE is in its expensive range at 28x.

NWFL PE Valuation

CHEAPFAIREXPENSIVE692x1384x2076x2768x
CHEAPFAIREXPENSIVE692x1384x2076x2768x
LevelPEPriceVs current
Cheap8.8x$27.39-24%
Forward9.3x$35.99—
Fair11x$35.46-1.5%
Current12x$35.99—
Expensive17x$54.03+50%

Historical ranges are pointers, not guarantees.

NWFL 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.

NWFL Forward outlook

MetricOutlook
Improving
Growth
Growth
Stable
Limited
High

Analysts expect earnings and revenue growth for NWFL, with profitability holding steady.

BLK Risk to reward

ScenarioChangePrice
Upside+14%$1,392.25
Downside-15%$1,038.38

Calculated from the latest close: $1,216.61 on Nov 12.

BLK trails NWFL on modeled risk to reward, with less potential upside and more potential downside.

NWFL Risk to reward

ScenarioChangePrice
Upside+24%$44.56
Downside-14%$30.81

Calculated from the latest close: $35.99 on Nov 12.

NWFL has a better modeled risk to reward balance than BLK, with more potential upside and less potential downside.

BLK Earnings Per Share

Q4 2023: $36.51Q1 2024: $39.35Q2 2024: $40.28Q3 2024: $40.52Q4 2024: $42.53Q1 2025: $41.69Q2 2025: $41.89Q3 2025: $39.42Q4 2025: $35.31Q1 2026: $39.73Q2 2026: $41.73Q3 2026: $43.87
Q4 2023: $36.51Q1 2024: $39.35Q2 2024: $40.28Q3 2024: $40.52Q4 2024: $42.53Q1 2025: $41.69Q2 2025: $41.89Q3 2025: $39.42Q4 2025: $35.31Q1 2026: $39.73Q2 2026: $41.73Q3 2026: $43.87
QuarterTTM EPSYoY
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.

NWFL Earnings Per Share

Q4 2023: $2.07Q1 2024: $1.91Q2 2024: $1.62Q3 2024: $1.59Q4 2024: $-0.02Q1 2025: $0.06Q2 2025: $0.21Q3 2025: $0.62Q4 2025: $3.01Q1 2026: $2.73Q2 2026: $2.92Q3 2026: $3.11Forward: $3.87
Q4 2023: $2.07Q1 2024: $1.91Q2 2024: $1.62Q3 2024: $1.59Q4 2024: $-0.02Q1 2025: $0.06Q2 2025: $0.21Q3 2025: $0.62Q4 2025: $3.01Q1 2026: $2.73Q2 2026: $2.92Q3 2026: $3.11Forward: $3.87
QuarterTTM EPSYoY
Forward$3.87+24%
Q3 2026$3.11+402%
Q2 2026$2.92+1290%
Q1 2026$2.73+4450%
Q4 2025$3.01+$3.03
Q3 2025$0.62-61%
Q2 2025$0.21-87%
Q1 2025$0.06-97%
Q4 2024-$0.02-101%

NWFL earned $3.11 per share over the past year, about five times what it earned the year before.

BLK Quarterly Revenue

Q4 2023: $4.6BQ1 2024: $4.7BQ2 2024: $4.8BQ3 2024: $5.2BQ4 2024: $5.7BQ1 2025: $5.3BQ2 2025: $5.4BQ3 2025: $6.5BQ4 2025: $7BQ1 2026: $6.7BQ2 2026: $7.1BQ3 2026: $7.8B
Q4 2023: $4.6BQ1 2024: $4.7BQ2 2024: $4.8BQ3 2024: $5.2BQ4 2024: $5.7BQ1 2025: $5.3BQ2 2025: $5.4BQ3 2025: $6.5BQ4 2025: $7BQ1 2026: $6.7BQ2 2026: $7.1BQ3 2026: $7.8B
QuarterRevenueYoY
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's revenue has grown year over year for 13 quarters in a row: $7.8B last quarter, up 19% from the same quarter a year ago.

NWFL Quarterly Revenue

Q4 2023: $17MQ1 2024: $17MQ2 2024: $17MQ3 2024: $18MQ4 2024: $2MQ1 2025: $20MQ2 2025: $21MQ3 2025: $23MQ4 2025: $23MQ1 2026: $27MQ2 2026: $29MQ3 2026: $31M
Q4 2023: $17MQ1 2024: $17MQ2 2024: $17MQ3 2024: $18MQ4 2024: $2MQ1 2025: $20MQ2 2025: $21MQ3 2025: $23MQ4 2025: $23MQ1 2026: $27MQ2 2026: $29MQ3 2026: $31M
QuarterRevenueYoY
Q3 2026$30.9M+35%
Q2 2026$29.4M+38%
Q1 2026$27.3M+35%
Q4 2025$23.5M+1113%
Q3 2025$23M+26%
Q2 2025$21.3M+24%
Q1 2025$20.2M+21%
Q4 2024$1.9M-89%

NWFL's revenue has grown year over year for seven quarters in a row: $31M last quarter, up 35% from the same quarter a year ago.

BLK Free Cash Flow

Q4 2023: $1.9BQ1 2024: −$472MQ2 2024: $1.4BQ3 2024: --Q4 2024: $2.5BQ1 2025: −$1.2BQ2 2025: $1.3BQ3 2025: $1.3BQ4 2025: $2.1BQ1 2026: −$1.1BQ2 2026: $1.1BQ3 2026: $2.6B
Q4 2023: $1.9BQ1 2024: −$472MQ2 2024: $1.4BQ3 2024: --Q4 2024: $2.5BQ1 2025: −$1.2BQ2 2025: $1.3BQ3 2025: $1.3BQ4 2025: $2.1BQ1 2026: −$1.1BQ2 2026: $1.1BQ3 2026: $2.6B
QuarterFree cash flowYoY
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.

NWFL Free Cash Flow

Q4 2023: $6MQ1 2024: $4MQ2 2024: $9MQ3 2024: $4MQ4 2024: $3MQ1 2025: $8MQ2 2025: $5MQ3 2025: $8MQ4 2025: $8MQ1 2026: $6MQ2 2026: $8MQ3 2026: $18M
Q4 2023: $6MQ1 2024: $4MQ2 2024: $9MQ3 2024: $4MQ4 2024: $3MQ1 2025: $8MQ2 2025: $5MQ3 2025: $8MQ4 2025: $8MQ1 2026: $6MQ2 2026: $8MQ3 2026: $18M
QuarterFree cash flowYoY
Q3 2026$18.2M+119%
Q2 2026$8.4M+66%
Q1 2026$5.5M-32%
Q4 2025$7.7M+131%
Q3 2025$8.3M+104%
Q2 2025$5.1M-41%
Q1 2025$8.2M+121%
Q4 2024$3.3M-42%

NWFL's free cash flow was $40M over the past year, up 60% from the year before. Free cash flow isn't a meaningful measure for financial services companies like NWFL.

BLK Total Shares

Q4 2023: 150MQ1 2024: 150MQ2 2024: 150MQ3 2024: 150MQ4 2024: 152MQ1 2025: 157MQ2 2025: 156MQ3 2025: 165MQ4 2025: 161MQ1 2026: 165MQ2 2026: 165MQ3 2026: 165M
Q4 2023: 150MQ1 2024: 150MQ2 2024: 150MQ3 2024: 150MQ4 2024: 152MQ1 2025: 157MQ2 2025: 156MQ3 2025: 165MQ4 2025: 161MQ1 2026: 165MQ2 2026: 165MQ3 2026: 165M
PeriodChange %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 NWFL on shareholder dilution, with a more favorable share count trend.

NWFL Total Shares

Q4 2023: 8MQ1 2024: 8MQ2 2024: 8MQ3 2024: 8MQ4 2024: 8MQ1 2025: 9MQ2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 11MQ2 2026: 11MQ3 2026: 11M
Q4 2023: 8MQ1 2024: 8MQ2 2024: 8MQ3 2024: 8MQ4 2024: 8MQ1 2025: 9MQ2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 11MQ2 2026: 11MQ3 2026: 11M
PeriodChange %Net change
Quarterly+0.6%+66.3K shares
1 year+17%+1.6M shares
3 years+36%+2.9M shares
5 years+33%+2.7M shares
Available history+72%+4.6M shares

NWFL has 11M diluted shares, up 17% from a year ago.

BLK Net Leverage

Q4 2023: 0.1xQ1 2024: 0.3xQ2 2024: 0.2xQ3 2025: 0.3xQ4 2025: 0.2xQ1 2026: 0.3xQ2 2026: 0.2xQ3 2026: -0.0x
Q4 2023: 0.1xQ1 2024: 0.3xQ2 2024: 0.2xQ3 2025: 0.3xQ4 2025: 0.2xQ1 2026: 0.3xQ2 2026: 0.2xQ3 2026: -0.0x
QuarterNet LeverageStatus
Q3 2026-0.0xNet Cash
Q2 20260.2xVery low
Q1 20260.3xVery low
Q4 20250.2xVery low
Q3 20250.3xVery low
Q2 20240.2xVery low
Q1 20240.3xVery low
Q4 20230.1xVery low

BLK has the edge over NWFL on leverage, with a lower net debt burden relative to earnings.

NWFL Net Leverage

Q4 2023: 2.0xQ1 2024: 1.9xQ2 2024: 1.8xQ3 2024: 0.3xQ4 2024: 76.4xQ2 2025: -1.1xQ4 2025: -0.5xQ3 2026: 0.8x
Q4 2023: 2.0xQ1 2024: 1.9xQ2 2024: 1.8xQ3 2024: 0.3xQ4 2024: 76.4xQ2 2025: -1.1xQ4 2025: -0.5xQ3 2026: 0.8x
QuarterNet LeverageStatus
Q3 20260.8xVery low
Q4 2025-0.5xNet Cash
Q2 2025-1.1xNet Cash
Q4 202476.4xHigh
Q3 20240.3xVery low
Q2 20241.8xHealthy
Q1 20241.9xHealthy
Q4 20232.0xModerate

NWFL's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like NWFL.

BLK Weekly Momentum

MetricValueStatus
RSI64.5Neutral
Stochastic79.0Neutral

BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).

NWFL Weekly Momentum

MetricValueStatus
RSI67.8Neutral
Stochastic65.5Neutral

NWFL's weekly RSI is 68 (neutral) and its Stochastic is 65 (neutral).

BLK PE vs Financial Services Sector

MetricBLKSector medianRelative
PE28x13x113% above
PE %976334 pts above

BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.

NWFL PE vs Financial Services Sector

MetricNWFLSector medianRelative
PE12x13x11% below
PE %526311 pts below

NWFL has the edge over BLK on valuation relative to its sector.

BLK Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$1,128.07.9% above
20 week MA$1,108.99.7% above
50 week MA$1,071.614% above
100 week MA$1,051.116% above
200 week MA$914.133% above

BLK is in an uptrend: it's above all five of its weekly moving averages, and 33% above its 200-week average.

NWFL Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$34.64.1% above
20 week MA$33.96.2% above
50 week MA$31.514% above
100 week MA$28.626% above
200 week MA$28.427% above

NWFL is in an uptrend: it's above all five of its weekly moving averages, and 27% above its 200-week average.

BLK Yearly ROI

YearStart priceEnd priceROI
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.

NWFL Yearly ROI

YearStart priceEnd priceROI
2020$39.3$26.4-33%
2021$26.4$26.0-1.4%
2022$26.0$33.1+27%
2023$33.1$32.9-0.6%
2024$32.9$26.8-19%
2025$26.8$28.4+6.1%
2026 YTD$28.4$36.0+27%

NWFL has the edge over BLK on returns for 2026, with the stronger performance.

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