Arch Capital Group Ltd. (ACGL)vsFirst Bancorp (FBNC)
ACGL
Arch Capital Group Ltd.
$93.83
+0.03%
FINANCIAL SERVICES · Cap: $32.77B
FBNC
First Bancorp
$58.47
-0.66%
FINANCIAL SERVICES · Cap: $2.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4928% more annual revenue ($19.78B vs $393.33M). FBNC leads profitability with a 30.8% profit margin vs 24.6%. 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+
FBNC
Strong Buy71
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 21 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 50.5%
Conservative balance sheet, low leverage
Earnings expanding 28.5% YoY
Areas to Watch
Revenue declined 3.3%
Expensive relative to growth rate
ROE of 7.6% — below average capital efficiency
Distress zone — elevated risk
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 : FBNC
The strongest argument for FBNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.8% and operating margin at 50.5%. Revenue growth of 13.9% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FBNC is a mature play — different risk/reward profiles.
FBNC carries more volatility with a beta of 0.83 — expect wider price swings.
FBNC is growing revenue faster at 13.9% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 71/100), backed by strong 24.6% 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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