Arch Capital Group Ltd. (ACGL)vsCitizens & Northern Corp (CZNC)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
CZNC
Citizens & Northern Corp
$25.97
+0.15%
FINANCIAL SERVICES · Cap: $465.77M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 15012% more annual revenue ($19.23B vs $127.27M). ACGL leads profitability with a 24.4% profit margin vs 19.9%. ACGL appears more attractively valued with a PEG of 1.06. CZNC earns a higher WallStSmart Score of 75/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
CZNC
Strong Buy75
out of 100
Grade: B
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
Reasonable price relative to book value
Strong operational efficiency at 42.2%
Revenue surging 53.2% year-over-year
Earnings expanding 100.2% YoY
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.3% — below average capital efficiency
Weak financial health signals
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 : CZNC
The strongest argument for CZNC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 19.9% and operating margin at 42.2%. Revenue growth of 53.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CZNC
The primary concerns for CZNC are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CZNC is a growth play — different risk/reward profiles.
CZNC carries more volatility with a beta of 0.39 — expect wider price swings.
CZNC is growing revenue faster at 53.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CZNC scores higher overall (75/100 vs 67/100), backed by strong 19.9% margins and 53.2% revenue growth. 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.
Citizens & Northern Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens & Northern Corporation is the banking holding company for Citizens & Northern Bank providing a range of banking and mortgage services to individual and corporate clients in northern central Pennsylvania and southern New York. The company is headquartered in Wellsboro, Pennsylvania.
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