Arch Capital Group Ltd. (ACGL)vsDime Community Bancshares, Inc. (DCOM)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
DCOM
Dime Community Bancshares, Inc.
$42.23
0.00%
FINANCIAL SERVICES · Cap: $1.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3997% more annual revenue ($18.78B vs $458.29M). DCOM leads profitability with a 31.2% profit margin vs 23.3%. ACGL appears more attractively valued with a PEG of 1.06. DCOM earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
DCOM
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 45.9%
Earnings expanding 52.8% YoY
Attractively priced relative to earnings
18.8% revenue growth
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : DCOM
The strongest argument for DCOM centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.2% and operating margin at 45.9%. Revenue growth of 18.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : DCOM
The primary concerns for DCOM are Market Cap, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while DCOM is a growth play — different risk/reward profiles.
DCOM carries more volatility with a beta of 0.98 — expect wider price swings.
DCOM is growing revenue faster at 18.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 67/100), backed by strong 23.3% margins. 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.
Dime Community Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Dime Community Bancshares, Inc. is the parent company of Dime Community Bank providing commercial banking and financial services in New York. The company is headquartered in Hauppauge, New York.
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