Arch Capital Group Ltd. (ACGL)vsNBT Bancorp Inc (NBTB)
ACGL
Arch Capital Group Ltd.
$94.92
+1.29%
FINANCIAL SERVICES · Cap: $32.74B
NBTB
NBT Bancorp Inc
$47.29
-0.04%
FINANCIAL SERVICES · Cap: $2.51B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2739% more annual revenue ($19.78B vs $696.57M). NBTB leads profitability with a 26.4% 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+
NBTB
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 40.6%
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
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, 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 : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 26.4% and operating margin at 40.6%. Revenue growth of 21.6% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NBTB is a growth play — different risk/reward profiles.
NBTB carries more volatility with a beta of 0.50 — expect wider price swings.
NBTB is growing revenue faster at 21.6% — 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.
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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