Arch Capital Group Ltd. (ACGL)vsFirst US Bancshares Inc (FUSB)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
FUSB
First US Bancshares Inc
$16.19
+1.17%
FINANCIAL SERVICES · Cap: $89.97M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 52550% more annual revenue ($19.78B vs $37.56M). ACGL leads profitability with a 24.6% profit margin vs 16.4%. 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+
FUSB
Buy54
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
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 25.1%
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 5.9% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
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 : FUSB
The strongest argument for FUSB centers on Price/Book, Debt/Equity, P/E Ratio. Profitability is solid with margins at 16.4% and operating margin at 25.1%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FUSB
The primary concerns for FUSB are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FUSB is a mature play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.31 — expect wider price swings.
FUSB is growing revenue faster at 6.0% — 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 54/100), 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 US Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First US Bancshares, Inc. is the banking holding company for First US Bank offering commercial banking products and services. The company is headquartered in Birmingham, Alabama.
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