Arch Capital Group Ltd. (ACGL)vsNorthfield Bancorp Inc (NFBK)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
NFBK
Northfield Bancorp Inc
$14.26
+1.42%
FINANCIAL SERVICES · Cap: $606.41M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 12675% more annual revenue ($19.78B vs $154.81M). ACGL leads profitability with a 24.6% profit margin vs 3.1%. 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+
NFBK
Buy65
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
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 47.8%
Earnings expanding 56.7% YoY
Revenue surging 24.5% year-over-year
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 0.7% — below average capital efficiency
3.1% margin — thin
Elevated debt levels
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 : NFBK
The strongest argument for NFBK centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 24.5% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : NFBK
The primary concerns for NFBK are Market Cap, Return on Equity, Profit Margin. A P/E of 111.7x leaves little room for execution misses. Thin 3.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NFBK is a growth play — different risk/reward profiles.
NFBK carries more volatility with a beta of 0.71 — expect wider price swings.
NFBK is growing revenue faster at 24.5% — 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 65/100), backed by strong 24.6% 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.
Northfield Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northfield Bancorp, Inc. (Staten Island, NY) is the banking holding company for Northfield Bank providing various banking services primarily to individual and corporate clients. The company is headquartered in Woodbridge, New Jersey.
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