Arch Capital Group Ltd (ACGL)vsOptimumBank Holdings, Inc. (OPHC)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
OPHC
OptimumBank Holdings, Inc.
$5.46
-0.73%
FINANCIAL SERVICES · Cap: $67.65M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 42011% more annual revenue ($19.93B vs $47.33M). OPHC leads profitability with a 35.2% profit margin vs 22.1%. OPHC appears more attractively valued with a PEG of 1.03. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
OPHC
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
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Revenue surging 36.2% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Weak financial health signals
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 : OPHC
The strongest argument for OPHC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.2% and operating margin at 50.1%. Revenue growth of 36.2% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : OPHC
The primary concerns for OPHC are Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a mature stock while OPHC is a growth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.38 — expect wider price swings.
OPHC is growing revenue faster at 36.2% — 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.
OptimumBank Holdings, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OptimumBank Holdings, Inc. is OptimumBank's banking holding company that provides various commercial and consumer banking services to individuals and businesses. The company is headquartered in Fort Lauderdale, Florida.
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