Arch Capital Group Ltd. (ACGL)vsMid Penn Bancorp (MPB)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
MPB
Mid Penn Bancorp
$34.21
-0.38%
FINANCIAL SERVICES · Cap: $867.98M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6830% more annual revenue ($19.23B vs $277.51M). MPB leads profitability with a 25.8% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
MPB
Buy64
out of 100
Grade: C+
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 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.5%
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Revenue surging 22.5% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
Expensive relative to growth rate
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 : MPB
The strongest argument for MPB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.8% and operating margin at 40.5%. Revenue growth of 22.5% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : MPB
The primary concerns for MPB are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
ACGL profiles as a declining stock while MPB is a growth play — different risk/reward profiles.
MPB carries more volatility with a beta of 0.48 — expect wider price swings.
MPB is growing revenue faster at 22.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 64/100), backed by strong 24.4% 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.
Mid Penn Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mid Penn Bancorp, Inc. is the banking holding company for Mid Penn Bank providing commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company is headquartered in Millersburg, Pennsylvania.
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