Arch Capital Group Ltd. (ACGL)vsCommerce Bancshares Inc (CBSH)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
CBSH
Commerce Bancshares Inc
$58.25
-0.07%
FINANCIAL SERVICES · Cap: $8.36B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 943% more annual revenue ($19.23B vs $1.84B). CBSH leads profitability with a 31.6% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CBSH
Buy65
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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.1%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
1.2% earnings growth
Weak financial health signals
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 : CBSH
The strongest argument for CBSH centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 31.6% and operating margin at 45.1%. Revenue growth of 14.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CBSH
The primary concerns for CBSH are PEG Ratio, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CBSH is a mature play — different risk/reward profiles.
CBSH carries more volatility with a beta of 0.58 — expect wider price swings.
CBSH is growing revenue faster at 14.2% — 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 65/100), 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.
Commerce Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Commerce Bancshares, Inc. is the banking holding company for Commerce Bank providing retail, mortgage banking, corporate, investment, trust and asset management products and services to individuals and businesses in the United States. The company is headquartered in Kansas City, Missouri.
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