WallStSmart

Arch Capital Group Ltd (ACGL)vsBridgewater Bancshares Inc (BWB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 14415% more annual revenue ($19.93B vs $137.30M). BWB leads profitability with a 33.6% profit margin vs 22.1%. BWB appears more attractively valued with a PEG of 0.74. ACGL earns a higher WallStSmart Score of 81/100 (A-).

ACGL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

BWB

Exceptional Buy

80

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 7.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

BWB6 strengths · Avg: 10.0/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.6%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
48.5%10/10

Strong operational efficiency at 48.5%

Revenue GrowthGrowth
36.8%10/10

Revenue surging 36.8% year-over-year

EPS GrowthGrowth
65.7%10/10

Earnings expanding 65.7% YoY

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

BWB1 concerns · Avg: 3.0/10
Market CapQuality
$512.40M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : ACGL

The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 29.5%. 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 33.6% and operating margin at 48.5%. Revenue growth of 36.8% demonstrates continued momentum.

Bear Case : ACGL

No major red flags identified for ACGL, but monitor valuation.

Bear Case : BWB

The primary concerns for BWB are Market Cap.

Key Dynamics to Monitor

ACGL profiles as a mature stock while BWB is a growth play — different risk/reward profiles.

BWB carries more volatility with a beta of 0.62 — expect wider price swings.

BWB is growing revenue faster at 36.8% — sustainability is the question.

ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.

Bottom Line

ACGL scores higher overall (81/100 vs 80/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Exceptional 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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