WallStSmart

Arch Capital Group Ltd. (ACGL)vsSeacoast Banking Corporation of Florida (SBCF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 2719% more annual revenue ($19.23B vs $682.18M). ACGL leads profitability with a 24.4% profit margin vs 23.8%. ACGL appears more attractively valued with a PEG of 1.06. SBCF earns a higher WallStSmart Score of 71/100 (B).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

SBCF

Strong Buy

71

out of 100

Grade: B

Growth: 8.7Profit: 6.5Value: 5.0Quality: 4.0
Piotroski: 2/9Altman Z: -0.25

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

SBCF4 strengths · Avg: 9.8/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
48.8%10/10

Strong operational efficiency at 48.8%

Revenue GrowthGrowth
38.3%10/10

Revenue surging 38.3% year-over-year

Profit MarginProfitability
23.8%9/10

Keeps 24 of every $100 in revenue as profit

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

SBCF4 concerns · Avg: 3.0/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

Return on EquityProfitability
5.5%3/10

ROE of 5.5% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.252/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : SBCF

The strongest argument for SBCF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.8% and operating margin at 48.8%. Revenue growth of 38.3% demonstrates continued momentum.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : SBCF

The primary concerns for SBCF are PEG Ratio, Return on Equity, Piotroski F-Score.

Key Dynamics to Monitor

ACGL profiles as a declining stock while SBCF is a growth play — different risk/reward profiles.

SBCF carries more volatility with a beta of 0.86 — expect wider price swings.

SBCF is growing revenue faster at 38.3% — sustainability is the question.

ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

SBCF scores higher overall (71/100 vs 67/100), backed by strong 23.8% margins and 38.3% 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.

Seacoast Banking Corporation of Florida

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Seacoast Banking Corporation of Florida is the banking holding company of Seacoast National Bank providing financial services to retail and business clients in Florida. The company is headquartered in Stuart, Florida.

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