Arch Capital Group Ltd. (ACGL)vsNBT Bancorp Inc (NBTB)
ACGL
Arch Capital Group Ltd.
$107.28
-2.98%
FINANCIAL SERVICES · Cap: $34.24B
NBTB
NBT Bancorp Inc
$52.83
-0.26%
FINANCIAL SERVICES · Cap: $2.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2557% more annual revenue ($19.23B vs $723.81M). NBTB leads profitability with a 29.7% 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-
NBTB
Buy55
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 1.7B in free cash flow
Reasonable price relative to book value
Keeps 30 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
4.5% revenue growth
Operating margin of 0.0%
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 : NBTB
The strongest argument for NBTB centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 29.7%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NBTB
The primary concerns for NBTB are Revenue Growth, Operating Margin, PEG Ratio.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NBTB is a value play — different risk/reward profiles.
NBTB carries more volatility with a beta of 0.49 — expect wider price swings.
NBTB is growing revenue faster at 4.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 55/100), 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.
NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
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