Arch Capital Group Ltd. (ACGL)vsFS Bancorp Inc (FSBW)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
FSBW
FS Bancorp Inc
$43.21
+0.26%
FINANCIAL SERVICES · Cap: $346.33M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 12877% more annual revenue ($18.78B vs $144.70M). ACGL leads profitability with a 23.3% profit margin vs 20.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FSBW
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 20 of every $100 in revenue as profit
Strong operational efficiency at 22.6%
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Revenue declined 0.6%
Earnings declined 46.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FSBW
The strongest argument for FSBW centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 22.6%. PEG of 1.35 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 : FSBW
The primary concerns for FSBW are Market Cap, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
FSBW carries more volatility with a beta of 0.68 — expect wider price swings.
FSBW is growing revenue faster at -0.6% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (67/100 vs 56/100), backed by strong 23.3% 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.
FS Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FS Bancorp, Inc. is a bank holding company for 1st Security Bank of Washington providing banking and financial services to local families, local and regional businesses, and industry niches. The company is headquartered in Mountlake Terrace, Washington.
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