BLK
BlackRock, Inc.
BLK has the edge over UBCP overall, supported by stronger fundamentals and lower modeled downside.
UBCP
United Bancorp, Inc.
UBCP offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
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.
UBCP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
UBCP's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UBCP.
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.
UBCP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $10.22 | -29% |
| Fair | 9.9x | $12.77 | -12% |
| Expensive | 11x | $14.69 | +1.4% |
| Current | 11x | $14.49 | — |
Historical ranges are pointers, not guarantees.
UBCP 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.
UBCP Forward outlook
There aren't enough analyst estimates for UBCP 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 has the edge over UBCP on earnings, with more consistent year-over-year improvement.
UBCP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.29 | -0.8% |
| Q2 2026 | $1.38 | +8.7% |
| Q1 2026 | $1.35 | +8.9% |
| Q4 2025 | $1.34 | +5.5% |
| Q3 2025 | $1.30 | -5.8% |
| Q2 2025 | $1.27 | -15% |
| Q1 2025 | $1.24 | -22% |
| Q4 2024 | $1.27 | -19% |
UBCP earned $1.29 per share over the past year, about the same as the year before.
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 UBCP 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 has the edge over UBCP on profitability, with a higher operating margin.
UBCP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7M | +4% |
| Q2 2026 | $7M | +6.2% |
| Q1 2026 | $6.5M | +4.2% |
| Q4 2025 | $8.9M | +18% |
| Q3 2025 | $6.7M | +9.6% |
| Q2 2025 | $6.6M | +6.3% |
| Q1 2025 | $6.2M | +2.2% |
| Q4 2024 | $7.5M | +0.1% |
UBCP's revenue has grown year over year for eight quarters in a row: $7M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | -13 points |
| Q2 2026 | 29% | +0.1 points |
| Q1 2026 | 27% | -2.7 points |
| Q4 2025 | 22% | -1.4 points |
| Q3 2025 | 28% | -0.2 points |
| Q2 2025 | 29% | +3.4 points |
| Q1 2025 | 30% | -5.5 points |
| Q4 2024 | 24% | -11 points |
UBCP's operating margin was 15% last quarter, down 13 points from the same quarter a year ago, near the bottom of its range since 2019.
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 UBCP on cash generation, producing positive trailing cash flow while its opponent burns cash.
UBCP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.5M | +$3.9M |
| Q2 2026 | -$140K | -110% |
| Q1 2026 | -$1.8M | -$1.2M |
| Q4 2025 | -$1.8M | -214% |
| Q3 2025 | -$367K | +$1.2M |
| Q2 2025 | $1.5M | +$3M |
| Q1 2025 | -$594K | -366% |
| Q4 2024 | $1.6M | -38% |
UBCP's free cash flow was −$257,000 over the past year, against $2M the year before. Free cash flow isn't a meaningful measure for financial services companies like UBCP.
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 |
UBCP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -26.6K shares |
| 1 year | -0.7% | -39.5K shares |
| 3 years | -0.8% | -42.2K shares |
| 5 years | -0.6% | -31.7K shares |
| Available history | -1.4% | -79.2K shares |
UBCP has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $340,000 |
| Q2 2026 | $342,000 |
| Q1 2026 | $374,000 |
| Q4 2025 | $188,000 |
| Q3 2025 | — |
| Q2 2025 | $80,000 |
| Q1 2025 | $49,000 |
| Q4 2024 | — |
UBCP spent $1M buying back its own shares over the past year, about 10 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 the edge over UBCP on leverage, with a lower net debt burden relative to earnings.
UBCP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.3x | High |
| Q2 2026 | 7.7x | High |
| Q1 2026 | 7.9x | High |
| Q4 2025 | 5.9x | High |
| Q3 2025 | 6.2x | High |
| Q2 2025 | 5.7x | High |
| Q1 2025 | 7.7x | High |
| Q4 2024 | 9.5x | High |
UBCP's net debt is about 8.3 years of its operating earnings (EBITDA), up from 6.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UBCP.
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).
UBCP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.5 | Neutral |
| Stochastic | 33.6 | Neutral |
UBCP's weekly RSI is 46 (neutral) and its Stochastic is 34 (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.
UBCP PE vs Financial Services Sector
| Metric | UBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 79 | 63 | 16 pts above |
UBCP 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 has the edge over UBCP on trend strength, trading above more of its moving averages.
UBCP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.3 | 1.5% above |
| 20 week MA | $15.2 | 4.7% below |
| 50 week MA | $15.2 | 4.4% below |
| 100 week MA | $14.3 | 1.3% above |
| 200 week MA | $13.4 | 8.2% above |
UBCP's trend is mixed: it's above three of its five weekly moving averages, and 8.2% 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 the edge over UBCP on returns for 2026, with the stronger performance.
UBCP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $13.3 | -9.4% |
| 2021 | $13.3 | $16.2 | +22% |
| 2022 | $16.2 | $15.5 | -4.6% |
| 2023 | $15.5 | $12.8 | -17% |
| 2024 | $12.8 | $13.0 | +1.3% |
| 2025 | $13.0 | $14.8 | +14% |
| 2026 YTD | $14.8 | $14.5 | -2% |
UBCP has finished lower in three of the last six years. It's down 2% so far in 2026.