Arch Capital Group Ltd. (ACGL)vsHbt Financial Inc (HBT)
ACGL
Arch Capital Group Ltd.
$98.76
-1.95%
FINANCIAL SERVICES · Cap: $34.35B
HBT
Hbt Financial Inc
$35.71
+0.31%
FINANCIAL SERVICES · Cap: $1.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7132% more annual revenue ($19.23B vs $265.92M). HBT leads profitability with a 29.2% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.9x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
HBT
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 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Strong operational efficiency at 49.9%
Revenue surging 37.7% year-over-year
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : HBT
The strongest argument for HBT centers on Operating Margin, Revenue Growth, Profit Margin. Profitability is solid with margins at 29.2% and operating margin at 49.9%. Revenue growth of 37.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : HBT
The primary concerns for HBT are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while HBT is a growth play — different risk/reward profiles.
HBT carries more volatility with a beta of 0.51 — expect wider price swings.
HBT is growing revenue faster at 37.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 65/100), backed by strong 24.4% 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.
Hbt Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HBT Financial, Inc. is the banking holding company for Heartland Bank and Trust Company and State Bank of Lincoln offering commercial, commercial and retail banking products and services to individuals, businesses and municipal entities. The company is headquartered in Bloomington, Illinois.
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