Arch Capital Group Ltd. (ACGL)vsFidelity D&D Bancorp Inc (FDBC)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
FDBC
Fidelity D&D Bancorp Inc
$53.04
-0.02%
FINANCIAL SERVICES · Cap: $299.26M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 20460% more annual revenue ($19.78B vs $96.19M). FDBC leads profitability with a 31.8% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FDBC
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : FDBC
The strongest argument for FDBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.8% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FDBC
The primary concerns for FDBC are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FDBC is a mature play — different risk/reward profiles.
FDBC carries more volatility with a beta of 0.82 — expect wider price swings.
FDBC is growing revenue faster at 11.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 60/100), backed by strong 24.6% margins. Both earn "Strong 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.
Fidelity D&D Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Fidelity D & D Bancorp, Inc. is the banking holding company for The Fidelity Deposit and Discount Bank, providing a variety of banking, trust and financial services to individuals, small businesses and corporate clients. The company is headquartered in Dunmore, Pennsylvania.
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