Arch Capital Group Ltd. (ACGL)vsFirst Interstate BancSystem Inc (FIBK)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
FIBK
First Interstate BancSystem Inc
$36.92
+0.11%
FINANCIAL SERVICES · Cap: $3.51B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1717% more annual revenue ($19.23B vs $1.06B). FIBK leads profitability with a 30.6% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. FIBK earns a higher WallStSmart Score of 73/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
FIBK
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 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 43.2%
Conservative balance sheet, low leverage
Earnings expanding 25.9% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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 : FIBK
The strongest argument for FIBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.6% and operating margin at 43.2%. PEG of 1.16 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FIBK
The primary concerns for FIBK are Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FIBK is a mature play — different risk/reward profiles.
FIBK carries more volatility with a beta of 0.72 — expect wider price swings.
FIBK is growing revenue faster at 7.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FIBK scores higher overall (73/100 vs 67/100), backed by strong 30.6% 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 Interstate BancSystem Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Interstate BancSystem, Inc. is the banking holding company for First Interstate Bank offering a range of banking products and services in the United States. The company is headquartered in Billings, Montana.
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