Arch Capital Group Ltd. (ACGL)vsNB Bancorp, Inc. Common Stock (NBBK)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
NBBK
NB Bancorp, Inc. Common Stock
$22.89
+0.44%
FINANCIAL SERVICES · Cap: $1.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7618% more annual revenue ($19.23B vs $249.19M). ACGL leads profitability with a 24.4% profit margin vs 23.7%. ACGL trades at a lower P/E of 7.7x. NBBK earns a higher WallStSmart Score of 68/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
NBBK
Strong Buy68
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
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Revenue surging 48.6% year-over-year
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.0% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. 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 : NBBK
The strongest argument for NBBK centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.7% and operating margin at 40.7%. Revenue growth of 48.6% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NBBK
The primary concerns for NBBK are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NBBK is a growth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.28 — expect wider price swings.
NBBK is growing revenue faster at 48.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
NBBK scores higher overall (68/100 vs 67/100), backed by strong 23.7% margins and 48.6% 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.
NB Bancorp, Inc. Common Stock
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NB Bancorp, Inc. is a leading financial holding company headquartered in the Northeastern United States, delivering a diverse array of commercial banking services through its subsidiary, Northbridge Bank. Focusing primarily on small and medium-sized enterprises as well as individual clients, the bank offers products that include loans, deposit accounts, and treasury management solutions. Committed to community banking, NB Bancorp utilizes extensive local market knowledge to foster enduring client relationships and optimize service delivery. The company is strategically positioned to enhance operational efficiency and spur asset growth, with the goal of generating sustainable long-term value for shareholders in a competitive banking environment.
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