Arch Capital Group Ltd. (ACGL)vsFirst Bank (FRBA)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
FRBA
First Bank
$15.34
-2.91%
FINANCIAL SERVICES · Cap: $400.53M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 14700% more annual revenue ($19.78B vs $133.63M). FRBA leads profitability with a 31.4% profit margin vs 24.6%. 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+
FRBA
Buy53
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 34.1%
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 5.2%
Earnings declined 18.9%
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 : FRBA
The strongest argument for FRBA centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.4% and operating margin at 34.1%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FRBA
The primary concerns for FRBA are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FRBA carries more volatility with a beta of 0.55 — expect wider price swings.
ACGL is growing revenue faster at -3.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 53/100), 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 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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