Arch Capital Group Ltd. (ACGL)vsSound Financial Bancorp Inc (SFBC)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
SFBC
Sound Financial Bancorp Inc
$48.00
-0.72%
FINANCIAL SERVICES · Cap: $123.27M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 47667% more annual revenue ($19.23B vs $40.26M). ACGL leads profitability with a 24.4% profit margin vs 19.9%. 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-
SFBC
Buy57
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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 29.0%
Earnings expanding 24.1% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 6.9% — below average capital efficiency
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 : SFBC
The strongest argument for SFBC centers on Price/Book, Debt/Equity, P/E Ratio. Profitability is solid with margins at 19.9% and operating margin at 29.0%. Revenue growth of 10.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SFBC
The primary concerns for SFBC are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SFBC is a mature play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.28 — expect wider price swings.
SFBC is growing revenue faster at 10.2% — 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 57/100), 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.
Sound Financial Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Sound Financial Bancorp, Inc. is the banking holding company for Sound Community Bank providing banking and other financial services to consumers and businesses. The company is headquartered in Seattle, Washington.
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