Arch Capital Group Ltd. (ACGL)vsCapital Bancorp (CBNK)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
CBNK
Capital Bancorp
$36.25
-0.30%
FINANCIAL SERVICES · Cap: $590.53M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7974% more annual revenue ($19.23B vs $238.20M). ACGL leads profitability with a 24.4% profit margin vs 23.7%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CBNK
Buy59
out of 100
Grade: C
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 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.9%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : CBNK
The strongest argument for CBNK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 23.7% and operating margin at 29.9%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CBNK
The primary concerns for CBNK are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CBNK is a mature play — different risk/reward profiles.
CBNK carries more volatility with a beta of 0.51 — expect wider price swings.
CBNK is growing revenue faster at 8.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 59/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "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.
Capital Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Capital Bancorp, Inc. is the banking holding company for Capital Bank, NA that offers various banking products and services to businesses, nonprofits and entrepreneurs in the United States. The company is headquartered in Rockville, Maryland.
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