Arch Capital Group Ltd (ACGL)vsFirst Bank (FRBA)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FRBA
First Bank
$14.84
-1.20%
FINANCIAL SERVICES · Cap: $414.83M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 14628% more annual revenue ($19.93B vs $135.31M). FRBA leads profitability with a 32.3% profit margin vs 22.1%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
FRBA
Buy65
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.4%
Earnings expanding 20.5% YoY
Areas to Watch
No major concerns identified
0.4% revenue growth
Smaller company, higher risk/reward
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 : FRBA
The strongest argument for FRBA centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 45.4%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FRBA
The primary concerns for FRBA are Revenue Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a mature stock while FRBA is a value play — different risk/reward profiles.
FRBA carries more volatility with a beta of 0.65 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — 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 65/100), 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 Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bank offers various banking products and services to individuals, businesses and government entities. The company is headquartered in Hamilton, New Jersey.
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