Arch Capital Group Ltd (ACGL)vsBank of N.T. Butterfield & Son Ltd (NTB)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
NTB
Bank of N.T. Butterfield & Son Ltd
$54.61
-2.66%
FINANCIAL SERVICES · Cap: $2.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 3150% more annual revenue ($19.93B vs $613.12M). NTB leads profitability with a 39.3% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
NTB
Strong Buy75
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
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
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 42.7%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 24.4% YoY
Areas to Watch
No major concerns identified
Expensive relative to growth rate
4.3% revenue growth
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 : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.3% and operating margin at 42.7%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while NTB is a value play — different risk/reward profiles.
NTB carries more volatility with a beta of 0.49 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 75/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?