Arch Capital Group Ltd (ACGL)vsSouthside Bancshares, Inc. (SBSI)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
SBSI
Southside Bancshares, Inc.
$33.03
+1.32%
FINANCIAL SERVICES · Cap: $990.16M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 8417% more annual revenue ($19.93B vs $233.99M). SBSI leads profitability with a 29.6% 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-
SBSI
Hold50
out of 100
Grade: D+
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 41.5%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 3.7%
Earnings declined 1.2%
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 : SBSI
The strongest argument for SBSI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.6% and operating margin at 41.5%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : SBSI
The primary concerns for SBSI are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while SBSI is a declining play — different risk/reward profiles.
SBSI carries more volatility with a beta of 0.58 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — 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 50/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Hold" 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.
Southside Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southside Bancshares, Inc. is the banking holding company for Southside Bank providing a range of financial services to individuals, businesses, municipal entities, and non-profit organizations. The company is headquartered in Tyler, Texas.
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