Arch Capital Group Ltd. (ACGL)vsNSTS Bancorp Inc (NSTS)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
NSTS
NSTS Bancorp Inc
$13.79
-0.14%
FINANCIAL SERVICES · Cap: $66.75M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 192602% more annual revenue ($19.78B vs $10.26M). ACGL leads profitability with a 24.6% profit margin vs -0.9%. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
NSTS
Avoid31
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
15.3% revenue growth
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -0.1% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : NSTS
The strongest argument for NSTS centers on Price/Book, Revenue Growth. Revenue growth of 15.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : NSTS
The primary concerns for NSTS are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NSTS is a growth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.29 — expect wider price swings.
NSTS is growing revenue faster at 15.3% — 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 31/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Avoid" 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.
NSTS Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NSTS Bancorp, Inc. is focused on operating as a savings and loan holding company for North Shore Trust and Savings which provides banking products and services in Illinois. The company is headquartered in Waukegan, Illinois.
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