BLK
BlackRock, Inc.
BLK has lower modeled downside risk, despite its lower overall score.
VBNK
VersaBank
VBNK 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.
VBNK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
VBNK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like VBNK.
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 VBNK in the historical PE scenario, which offers more potential upside but is not a forecast.
VBNK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $5.74 | -76% |
| Fair | 13x | $8.48 | -65% |
| Expensive | 24x | $15.56 | -35% |
| Current | 36x | $23.97 | — |
Historical ranges are pointers, not guarantees.
VBNK's PE is 36x, but its earnings don't support one, so it isn't a reliable read right now.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
VBNK Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for VBNK, with profitability improving.
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 stronger earnings trend. Trailing diluted EPS is up 11% for BLK versus VBNK down 15%.
VBNK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.66 | -15% |
| Q1 2026 | $0.69 | -24% |
| Q4 2025 | $0.64 | -39% |
| Q3 2025 | $0.66 | -46% |
| Q2 2025 | $0.78 | -38% |
| Q1 2025 | $0.91 | -24% |
| Q4 2024 | $1.05 | -4.5% |
| Q3 2024 | $1.23 | +32% |
VBNK's earnings per share have fallen from their peak: $0.66 over the past year, against $1.25 in early 2024. Its recent earnings include one-off gains.
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% |
VBNK has the stronger quarterly revenue trend. Revenue is up 19% for BLK versus up 184% for VBNK.
| 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.
VBNK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $60.2M | +184% |
| Q1 2026 | $25.7M | +31% |
| Q4 2025 | $24.7M | +29% |
| Q3 2025 | $22.2M | +17% |
| Q2 2025 | $21.2M | +5.7% |
| Q1 2025 | $19.6M | -3.5% |
| Q4 2024 | $19.2M | -6.5% |
| Q3 2024 | $19M | +0.5% |
VBNK's revenue has grown year over year for five quarters in a row: $60M last quarter, up 184% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 12% | -27 points |
| Q1 2026 | 42% | +1.9 points |
| Q4 2025 | 28% | -1.4 points |
| Q3 2025 | 28% | -22 points |
| Q2 2025 | 39% | -18 points |
| Q1 2025 | 40% | -19 points |
| Q4 2024 | 30% | -28 points |
| Q3 2024 | 50% | -1.5 points |
VBNK's operating margin was 12% last quarter, down 27 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% |
VBNK has the stronger cash trend. Its trailing FCF is up 309% versus its history, compared with BLK at up 20%.
VBNK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$35M | +$34.4M |
| Q1 2026 | $39M | +$102.6M |
| Q4 2025 | $34.5M | -68% |
| Q3 2025 | $129.1M | +117% |
| Q2 2025 | -$69.4M | -296% |
| Q1 2025 | -$63.6M | -$39.7M |
| Q4 2024 | $107.8M | +113% |
| Q3 2024 | $59.5M | +$152.7M |
VBNK's free cash flow was $168M over the past year, about five times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like VBNK.
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 |
VBNK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +123K shares |
| 1 year | -1.3% | -427K shares |
| 3 years | +23% | +5.9M shares |
| 5 years | +52% | +11M shares |
| Available history | +52% | +11M shares |
VBNK has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
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.
VBNK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2021 | -5.3x | Net Cash |
| Q3 2021 | -6.4x | Net Cash |
| Q2 2021 | -5.9x | Net Cash |
| Q1 2021 | -7.1x | Net Cash |
| Q4 2020 | -8.6x | Net Cash |
| Q3 2020 | -11.8x | Net Cash |
| Q2 2020 | -11.0x | Net Cash |
| Q1 2020 | -3.2x | Net Cash |
VBNK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like VBNK.
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).
VBNK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.9 | Neutral |
| Stochastic | 76.8 | Neutral |
VBNK's weekly RSI is 65 (neutral) and its Stochastic is 77 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK has the edge over VBNK on valuation relative to its sector.
VBNK PE vs Financial Services Sector
| Metric | VBNK | Sector median | Relative |
|---|---|---|---|
| PE | 36x | 13x | 177% above |
| PE % | 100 | 66 | 34 pts above |
VBNK is trading at 36x earnings, a 177% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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.
VBNK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.8 | 5.2% above |
| 20 week MA | $21.7 | 11% above |
| 50 week MA | $18.4 | 30% above |
| 100 week MA | $15.1 | 59% above |
| 200 week MA | $12.5 | 91% above |
VBNK is in an uptrend: it's above all five of its weekly moving averages, and 91% 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.
VBNK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $10.4 | $11.9 | +15% |
| 2022 | $11.9 | $7.67 | -35% |
| 2023 | $7.67 | $11.0 | +43% |
| 2024 | $11.0 | $13.6 | +24% |
| 2025 | $13.6 | $15.0 | +10% |
| 2026 YTD | $15.0 | $24.0 | +60% |
VBNK has the edge over BLK on returns for 2026, with the stronger performance.