Arch Capital Group Ltd. (ACGL)vsFirst Bancorp (FBNC)
ACGL
Arch Capital Group Ltd.
$98.25
-0.24%
FINANCIAL SERVICES · Cap: $34.28B
FBNC
First Bancorp
$64.72
+0.08%
FINANCIAL SERVICES · Cap: $2.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4583% more annual revenue ($19.23B vs $410.72M). FBNC leads profitability with a 32.4% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. FBNC earns a higher WallStSmart Score of 73/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
FBNC
Strong Buy73
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 2.5B in free cash flow
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.2%
Conservative balance sheet, low leverage
Reasonable price relative to book value
15.9% revenue growth
Earnings expanding 31.1% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 7.2% — 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, 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 : FBNC
The strongest argument for FBNC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 32.4% and operating margin at 51.2%. Revenue growth of 15.9% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
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 growth play — different risk/reward profiles.
FBNC carries more volatility with a beta of 0.82 — expect wider price swings.
FBNC is growing revenue faster at 15.9% — sustainability is the question.
ACGL generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
FBNC scores higher overall (73/100 vs 67/100), backed by strong 32.4% margins and 15.9% 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.
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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