Arch Capital Group Ltd. (ACGL)vsLake Shore Bancorp Inc (LSBK)
ACGL
Arch Capital Group Ltd.
$101.06
-0.63%
FINANCIAL SERVICES · Cap: $35.71B
LSBK
Lake Shore Bancorp Inc
$17.05
+0.29%
FINANCIAL SERVICES · Cap: $136.66M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 67276% more annual revenue ($19.78B vs $29.35M). LSBK leads profitability with a 27.7% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.9x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
LSBK
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Earnings expanding 88.2% YoY
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.7% year-over-year
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 5.7% — 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, EPS Growth, Return on Equity. 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 : LSBK
The strongest argument for LSBK centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 27.7% and operating margin at 32.5%. Revenue growth of 21.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : LSBK
The primary concerns for LSBK are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LSBK is a growth play — different risk/reward profiles.
LSBK carries more volatility with a beta of 0.30 — expect wider price swings.
LSBK is growing revenue faster at 21.7% — 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 64/100), 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.
Lake Shore Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lake Shore Bancorp, Inc. is the savings and loan holding company of Lake Shore Savings Bank offering banking products and services.
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