Arch Capital Group Ltd (ACGL)vsCitizens Community Bancorp Inc (CZWI)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
CZWI
Citizens Community Bancorp Inc
$20.75
-0.38%
FINANCIAL SERVICES · Cap: $197.68M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 32908% more annual revenue ($19.93B vs $60.38M). CZWI leads profitability with a 23.9% profit margin vs 22.1%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
CZWI
Buy53
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 25.1% year-over-year
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
Earnings declined 60.9%
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : CZWI
The strongest argument for CZWI centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 23.9% and operating margin at 16.6%. Revenue growth of 25.1% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : CZWI
The primary concerns for CZWI are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while CZWI is a growth play — different risk/reward profiles.
CZWI carries more volatility with a beta of 0.56 — expect wider price swings.
CZWI is growing revenue faster at 25.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 53/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Citizens Community Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal NA providing a variety of traditional community banking services to businesses, agricultural operators, and consumers. The company is headquartered in Eau Claire, Wisconsin.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?