Arch Capital Group Ltd. (ACGL)vsOak Valley Bancorp (OVLY)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
OVLY
Oak Valley Bancorp
$34.48
+0.76%
FINANCIAL SERVICES · Cap: $286.96M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 22947% more annual revenue ($19.23B vs $83.45M). OVLY leads profitability with a 27.8% profit margin vs 24.4%. ACGL trades at a lower P/E of 8.2x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
OVLY
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 37.9%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
1.8% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 4.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : OVLY
The strongest argument for OVLY centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.8% and operating margin at 37.9%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : OVLY
The primary concerns for OVLY are Revenue Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while OVLY is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.26 — expect wider price swings.
OVLY is growing revenue faster at 1.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 51/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "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.
Oak Valley Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Oak Valley Bancorp is the banking holding company for Oak Valley Community Bank providing a range of commercial banking services to individuals and small and medium-sized businesses in Oakdale, California and surrounding areas. The company is headquartered in Oakdale, California.
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