Arch Capital Group Ltd. (ACGL)vsGlacier Bancorp Inc (GBCI)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
GBCI
Glacier Bancorp Inc
$47.15
-0.06%
FINANCIAL SERVICES · Cap: $6.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1807% more annual revenue ($19.78B vs $1.04B). GBCI leads profitability with a 25.7% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
GBCI
Strong Buy77
out of 100
Grade: B+
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
Strong operational efficiency at 41.5%
Revenue surging 39.7% year-over-year
Keeps 26 of every $100 in revenue as profit
Earnings expanding 31.3% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 6.3% — below average capital efficiency
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 : GBCI
The strongest argument for GBCI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.7% and operating margin at 41.5%. Revenue growth of 39.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : GBCI
The primary concerns for GBCI are PEG Ratio, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while GBCI is a growth play — different risk/reward profiles.
GBCI carries more volatility with a beta of 0.74 — expect wider price swings.
GBCI is growing revenue faster at 39.7% — 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 77/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Strong 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.
Glacier Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Glacier Bancorp, Inc. is the bank holding company for Glacier Bank providing commercial banking services to individuals, small and medium-sized businesses, community organizations, and public entities in the United States. The company is headquartered in Kalispell, Montana.
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