Arch Capital Group Ltd. (ACGL)vsFirst Financial Bankshares Inc (FFIN)
ACGL
Arch Capital Group Ltd.
$110.68
+2.68%
FINANCIAL SERVICES · Cap: $34.24B
FFIN
First Financial Bankshares Inc
$31.42
+1.22%
FINANCIAL SERVICES · Cap: $4.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2760% more annual revenue ($19.23B vs $672.48M). FFIN leads profitability with a 43.3% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. FFIN earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
FFIN
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 56.9%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 25.8% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FFIN
The strongest argument for FFIN centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.3% and operating margin at 56.9%. Revenue growth of 25.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FFIN
The primary concerns for FFIN are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FFIN is a growth play — different risk/reward profiles.
FFIN carries more volatility with a beta of 0.83 — expect wider price swings.
FFIN is growing revenue faster at 25.8% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FFIN scores higher overall (74/100 vs 67/100), backed by strong 43.3% margins and 25.8% 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 Financial Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Bankshares, Inc., offers commercial banking products and services in Texas. The company is headquartered in Abilene, Texas.
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