Arch Capital Group Ltd. (ACGL)vsMetropolitan Bank Holding (MCB)
ACGL
Arch Capital Group Ltd.
$107.28
-2.98%
FINANCIAL SERVICES · Cap: $34.24B
MCB
Metropolitan Bank Holding
$95.47
+0.41%
FINANCIAL SERVICES · Cap: $1.18B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 5371% more annual revenue ($19.23B vs $351.50M). MCB leads profitability with a 31.9% profit margin vs 24.4%. ACGL trades at a lower P/E of 8.2x. MCB earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
MCB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 49.1%
Revenue surging 70.6% year-over-year
Earnings expanding 285.1% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : MCB
The strongest argument for MCB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.9% and operating margin at 49.1%. Revenue growth of 70.6% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : MCB
The primary concerns for MCB are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while MCB is a growth play — different risk/reward profiles.
MCB carries more volatility with a beta of 1.04 — expect wider price swings.
MCB is growing revenue faster at 70.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
MCB scores higher overall (74/100 vs 67/100), backed by strong 31.9% margins and 70.6% revenue growth. 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.
Metropolitan Bank Holding
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Metropolitan Bank Holding Corp. The company is headquartered in New York, New York.
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