Arch Capital Group Ltd. (ACGL)vsOptimumBank Holdings, Inc. (OPHC)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
OPHC
OptimumBank Holdings, Inc.
$9.07
0.00%
FINANCIAL SERVICES · Cap: $113.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 33704% more annual revenue ($19.23B vs $56.89M). OPHC leads profitability with a 36.0% profit margin vs 24.4%. OPHC appears more attractively valued with a PEG of 1.03. OPHC earns a higher WallStSmart Score of 73/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
OPHC
Strong Buy73
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
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 52.5%
Revenue surging 56.0% year-over-year
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 8.7%
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 : OPHC
The strongest argument for OPHC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.0% and operating margin at 52.5%. Revenue growth of 56.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : OPHC
The primary concerns for OPHC are Market Cap, Piotroski F-Score, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a declining stock while OPHC is a growth play — different risk/reward profiles.
OPHC carries more volatility with a beta of 0.29 — expect wider price swings.
OPHC is growing revenue faster at 56.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
OPHC scores higher overall (73/100 vs 67/100), backed by strong 36.0% margins and 56.0% 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.
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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