Arch Capital Group Ltd (ACGL)vsSeacoast Banking Corporation of Florida (SBCF)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
SBCF
Seacoast Banking Corporation of Florida
$31.28
-1.42%
FINANCIAL SERVICES · Cap: $3.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 3231% more annual revenue ($19.93B vs $598.37M). SBCF leads profitability with a 24.2% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
SBCF
Strong Buy67
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 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
Strong operational efficiency at 43.8%
Revenue surging 32.4% year-over-year
Keeps 24 of every $100 in revenue as profit
Areas to Watch
No major concerns identified
Expensive relative to growth rate
ROE of 5.5% — below average capital efficiency
Earnings declined 23.4%
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 : SBCF
The strongest argument for SBCF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.2% and operating margin at 43.8%. Revenue growth of 32.4% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : SBCF
The primary concerns for SBCF are PEG Ratio, Return on Equity, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while SBCF is a growth play — different risk/reward profiles.
SBCF carries more volatility with a beta of 0.92 — expect wider price swings.
SBCF is growing revenue faster at 32.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 67/100), backed by strong 22.1% margins. Both earn "Exceptional 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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