Arch Capital Group Ltd. (ACGL)vsFirst Northwest Bancorp (FNWB)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
FNWB
First Northwest Bancorp
$10.16
-1.36%
FINANCIAL SERVICES · Cap: $93.25M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 29376% more annual revenue ($19.78B vs $67.09M). ACGL leads profitability with a 24.6% profit margin vs 7.2%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FNWB
Buy55
out of 100
Grade: C
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 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Revenue surging 66.4% year-over-year
Earnings expanding 325.0% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 3.1% — below average capital efficiency
7.2% margin — thin
Operating margin of 0.3%
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 : FNWB
The strongest argument for FNWB centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 66.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FNWB
The primary concerns for FNWB are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 2.19 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FNWB is a hypergrowth play — different risk/reward profiles.
FNWB carries more volatility with a beta of 0.66 — expect wider price swings.
FNWB is growing revenue faster at 66.4% — 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 55/100), 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.
First Northwest Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Northwest Bancorp is a banking holding company of the First Federal Savings and Loan Association of Port Angeles that provides commercial and consumer banking services to individuals, businesses and non-profit organizations in Western Washington, United States. The company is headquartered in Port Angeles, Washington.
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