Arch Capital Group Ltd. (ACGL)vsColony Bankcorp Inc. (CBAN)
ACGL
Arch Capital Group Ltd.
$101.06
-0.63%
FINANCIAL SERVICES · Cap: $35.71B
CBAN
Colony Bankcorp Inc.
$20.11
+0.45%
FINANCIAL SERVICES · Cap: $425.49M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 14301% more annual revenue ($19.78B vs $137.33M). ACGL leads profitability with a 24.6% profit margin vs 21.7%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CBAN
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 31.7%
Revenue surging 33.9% year-over-year
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Expensive relative to growth rate
2.4% earnings growth
Smaller company, higher risk/reward
ROE of 7.8% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : CBAN
The strongest argument for CBAN centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 21.7% and operating margin at 31.7%. Revenue growth of 33.9% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CBAN
The primary concerns for CBAN are PEG Ratio, EPS Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CBAN is a growth play — different risk/reward profiles.
CBAN carries more volatility with a beta of 0.55 — expect wider price swings.
CBAN is growing revenue faster at 33.9% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 66/100), backed by strong 24.6% margins. 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.
Colony Bankcorp Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Colony Bankcorp, Inc. is the banking holding company for Colony Bank offering various banking products and services to business clients and consumers. The company is headquartered in Fitzgerald, Georgia.
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