Arch Capital Group Ltd (ACGL)vsFirst Northwest Bancorp (FNWB)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FNWB
First Northwest Bancorp
$10.00
+0.30%
FINANCIAL SERVICES · Cap: $95.75M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 32806% more annual revenue ($19.93B vs $60.56M). ACGL leads profitability with a 22.1% profit margin vs -6.9%. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
FNWB
Buy59
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
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Strong operational efficiency at 35.9%
Revenue surging 63.6% year-over-year
Earnings expanding 325.0% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of -2.7% — below average capital efficiency
Distress zone — elevated risk
Currently unprofitable
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 22.1% and operating margin at 29.5%. 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, Operating Margin, Revenue Growth. Revenue growth of 63.6% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FNWB
The primary concerns for FNWB are Market Cap, Return on Equity, Altman Z-Score. Debt-to-equity of 2.17 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a mature stock while FNWB is a hypergrowth play — different risk/reward profiles.
FNWB carries more volatility with a beta of 0.58 — expect wider price swings.
FNWB is growing revenue faster at 63.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 59/100), backed by strong 22.1% margins. Both earn "Exceptional 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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