Arch Capital Group Ltd. (ACGL)vsMetropolitan Bank Holding (MCB)
ACGL
Arch Capital Group Ltd.
$94.33
-0.62%
FINANCIAL SERVICES · Cap: $32.74B
MCB
Metropolitan Bank Holding
$97.82
+0.53%
FINANCIAL SERVICES · Cap: $1.21B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6444% more annual revenue ($19.78B vs $302.22M). MCB leads profitability with a 28.5% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.2x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
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
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
Reasonable price relative to book value
Strong operational efficiency at 50.9%
Revenue surging 37.4% year-over-year
Earnings expanding 101.4% YoY
Conservative balance sheet, low leverage
Keeps 29 of every $100 in revenue as profit
Areas to Watch
Revenue declined 3.3%
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, 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 : MCB
The strongest argument for MCB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.5% and operating margin at 50.9%. Revenue growth of 37.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : MCB
The primary concerns for MCB are Market Cap, 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 1.02 — expect wider price swings.
MCB is growing revenue faster at 37.4% — 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 74/100), backed by strong 24.6% margins. 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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