Arch Capital Group Ltd. (ACGL)vsPCB Bancorp (PCB)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
PCB
PCB Bancorp
$27.88
+0.04%
FINANCIAL SERVICES · Cap: $395.21M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 16142% more annual revenue ($19.23B vs $118.41M). PCB leads profitability with a 35.3% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
PCB
Buy61
out of 100
Grade: C+
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
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 49.2%
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
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 : PCB
The strongest argument for PCB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.3% and operating margin at 49.2%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : PCB
The primary concerns for PCB are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PCB is a mature play — different risk/reward profiles.
PCB carries more volatility with a beta of 0.47 — expect wider price swings.
PCB is growing revenue faster at 8.3% — 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 61/100), 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.
PCB Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PCB Bancorp is the banking holding company for Pacific City Bank offering various banking products and services to individuals and small and medium-sized businesses in Southern California. The company is headquartered in Los Angeles, California.
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