Arch Capital Group Ltd (ACGL)vsHbt Financial Inc (HBT)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
HBT
Hbt Financial Inc
$27.76
-0.79%
FINANCIAL SERVICES · Cap: $1.01B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 8419% more annual revenue ($19.93B vs $233.92M). HBT leads profitability with a 32.9% profit margin vs 22.1%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
HBT
Hold49
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.1%
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
1.1% revenue growth
Smaller company, higher risk/reward
Earnings declined 6.3%
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : HBT
The strongest argument for HBT centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.9% and operating margin at 46.1%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : HBT
The primary concerns for HBT are Revenue Growth, Market Cap, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while HBT is a value play — different risk/reward profiles.
HBT carries more volatility with a beta of 0.55 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 49/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Hold" 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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