Arch Capital Group Ltd. (ACGL)vsM&T Bank Corporation (MTB)
ACGL
Arch Capital Group Ltd.
$93.80
-0.76%
FINANCIAL SERVICES · Cap: $33.09B
MTB
M&T Bank Corporation
$212.14
-0.41%
FINANCIAL SERVICES · Cap: $31.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 112% more annual revenue ($19.78B vs $9.31B). MTB leads profitability with a 31.5% 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+
MTB
Strong Buy77
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 21 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 32 of every $100 in revenue as profit
Strong operational efficiency at 38.9%
Earnings expanding 24.4% YoY
Areas to Watch
Revenue declined 3.3%
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 : MTB
The strongest argument for MTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.5% and operating margin at 38.9%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : MTB
The primary concerns for MTB are Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while MTB is a mature play — different risk/reward profiles.
MTB carries more volatility with a beta of 0.59 — expect wider price swings.
MTB is growing revenue faster at 5.7% — 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 77/100), 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.
M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
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