Arch Capital Group Ltd. (ACGL)vsBridgewater Bancshares Inc (BWB)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
BWB
Bridgewater Bancshares Inc
$21.39
0.00%
FINANCIAL SERVICES · Cap: $596.43M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 12089% more annual revenue ($19.23B vs $157.79M). BWB leads profitability with a 35.7% profit margin vs 24.4%. BWB appears more attractively valued with a PEG of 0.74. BWB earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
BWB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 47.8%
Growing faster than its price suggests
18.4% revenue growth
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : BWB
The strongest argument for BWB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.7% and operating margin at 47.8%. Revenue growth of 18.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : BWB
The primary concerns for BWB are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while BWB is a growth play — different risk/reward profiles.
BWB carries more volatility with a beta of 0.58 — expect wider price swings.
BWB is growing revenue faster at 18.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
BWB scores higher overall (74/100 vs 67/100), backed by strong 35.7% margins and 18.4% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Arch Capital Group Ltd.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Arch Capital Group Ltd., offers insurance, reinsurance and mortgage products worldwide. The company is headquartered in Pembroke, Bermuda.
Bridgewater Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bridgewater Bancshares, Inc. is the banking holding company for Bridgewater Bank providing banking products and services to commercial real estate investors, small business entrepreneurs and high net worth individuals in the United States. The company is headquartered in Saint Louis Park, Minnesota.
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