Arch Capital Group Ltd. (ACGL)vsLCNB Corporation (LCNB)
ACGL
Arch Capital Group Ltd.
$88.34
-1.29%
FINANCIAL SERVICES · Cap: $32.03B
LCNB
LCNB Corporation
$16.82
+1.82%
FINANCIAL SERVICES · Cap: $244.89M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 21890% more annual revenue ($19.78B vs $89.94M). LCNB leads profitability with a 25.5% 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+
LCNB
Hold50
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
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 26 of every $100 in revenue as profit
Strong operational efficiency at 27.5%
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 0.6%
Earnings declined 4.9%
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 : LCNB
The strongest argument for LCNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 25.5% and operating margin at 27.5%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : LCNB
The primary concerns for LCNB are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
LCNB carries more volatility with a beta of 0.59 — expect wider price swings.
LCNB is growing revenue faster at -0.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 50/100), backed by strong 24.6% margins. Both earn "Strong 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.
LCNB Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
LCNB Corp. The company is headquartered in Lebanon, Ohio.
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