Arch Capital Group Ltd. (ACGL)vsOrigin Bancorp, Inc. (OBK)
ACGL
Arch Capital Group Ltd.
$94.66
-0.38%
FINANCIAL SERVICES · Cap: $33.06B
OBK
Origin Bancorp, Inc.
$53.64
+0.64%
FINANCIAL SERVICES · Cap: $1.64B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4997% more annual revenue ($19.23B vs $377.29M). OBK leads profitability with a 26.4% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.6x. OBK earns a higher WallStSmart Score of 69/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
OBK
Strong Buy69
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 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 42.7%
Revenue surging 33.3% year-over-year
Earnings expanding 132.1% YoY
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 6.4% — 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, Price/Book, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : OBK
The strongest argument for OBK centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 26.4% and operating margin at 42.7%. Revenue growth of 33.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : OBK
The primary concerns for OBK are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while OBK is a growth play — different risk/reward profiles.
OBK carries more volatility with a beta of 0.71 — expect wider price swings.
OBK is growing revenue faster at 33.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
OBK scores higher overall (69/100 vs 67/100), backed by strong 26.4% margins and 33.3% revenue growth. 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.
Origin Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Origin Bancorp, Inc., headquartered in Ruston, Louisiana, is a prominent financial institution providing a comprehensive array of banking and financial solutions for both individuals and businesses. Through its wholly-owned subsidiary, Origin Bank, the company excels in commercial banking, mortgage lending, and wealth management, emphasizing exceptional customer service and strong community ties. With a strategic focus on leveraging innovative technologies, Origin Bancorp is well-equipped to enhance client experiences while capitalizing on growth opportunities within the dynamic financial services industry.
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