Arch Capital Group Ltd (ACGL)vsNortheast Community Bancorp Inc (NECB)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
NECB
Northeast Community Bancorp Inc
$24.28
-2.74%
FINANCIAL SERVICES · Cap: $336.86M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 18893% more annual revenue ($19.93B vs $104.93M). NECB leads profitability with a 42.3% profit margin vs 22.1%. NECB trades at a lower P/E of 7.5x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
NECB
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 59.5%
Conservative balance sheet, low leverage
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : NECB
The strongest argument for NECB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 42.3% and operating margin at 59.5%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : NECB
The primary concerns for NECB are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
NECB carries more volatility with a beta of 0.39 — expect wider price swings.
NECB is growing revenue faster at 9.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 61/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Northeast Community Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northeast Community Bancorp, Inc. is the holding company of Northeast Community Bank that provides a variety of financial services to consumers and businesses.
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