Arch Capital Group Ltd (ACGL)vsRichmond Mutual Bancorporation Inc (RMBI)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
RMBI
Richmond Mutual Bancorporation Inc
$15.82
+1.41%
FINANCIAL SERVICES · Cap: $152.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 41317% more annual revenue ($19.93B vs $48.12M). RMBI leads profitability with a 25.8% profit margin vs 22.1%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
RMBI
Buy60
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 27.8%
Earnings expanding 40.0% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
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 : RMBI
The strongest argument for RMBI centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 25.8% and operating margin at 27.8%. Revenue growth of 12.7% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : RMBI
The primary concerns for RMBI are Market Cap.
Key Dynamics to Monitor
ACGL carries more volatility with a beta of 0.38 — expect wider price swings.
RMBI is growing revenue faster at 12.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 60/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Richmond Mutual Bancorporation Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Richmond Mutual Bancorporation, Inc. is a holding company of First Bank Richmond providing various banking services. The company is headquartered in Richmond, Indiana.
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