Arch Capital Group Ltd. (ACGL)vsCapital City Bank Group (CCBG)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
CCBG
Capital City Bank Group
$45.34
+2.46%
FINANCIAL SERVICES · Cap: $777.43M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7808% more annual revenue ($19.78B vs $250.09M). ACGL leads profitability with a 24.6% profit margin vs 24.2%. 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+
CCBG
Buy57
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
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
Strong operational efficiency at 33.3%
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Expensive relative to growth rate
2.2% revenue growth
Smaller company, higher risk/reward
Earnings declined 7.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. 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 : CCBG
The strongest argument for CCBG centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.2% and operating margin at 33.3%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CCBG
The primary concerns for CCBG are PEG Ratio, Revenue Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CCBG is a value play — different risk/reward profiles.
CCBG carries more volatility with a beta of 0.34 — expect wider price swings.
CCBG is growing revenue faster at 2.2% — 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 57/100), backed by strong 24.6% 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 City Bank Group
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Capital City Bank Group, Inc. is Capital City Bank's financial holding company providing a range of banking and banking-related services to individual and corporate clients. The company is headquartered in Tallahassee, Florida.
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