Arch Capital Group Ltd. (ACGL)vsSouthern Missouri Bancorp Inc (SMBC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
SMBC
Southern Missouri Bancorp Inc
$73.26
+0.04%
FINANCIAL SERVICES · Cap: $816.69M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 10255% more annual revenue ($19.23B vs $185.73M). SMBC leads profitability with a 36.3% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. SMBC earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
SMBC
Strong Buy72
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 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 49.9%
Conservative balance sheet, low leverage
Earnings expanding 31.7% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : SMBC
The strongest argument for SMBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.3% and operating margin at 49.9%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SMBC
The primary concerns for SMBC are Market Cap, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SMBC is a mature play — different risk/reward profiles.
SMBC carries more volatility with a beta of 0.85 — expect wider price swings.
SMBC is growing revenue faster at 7.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
SMBC scores higher overall (72/100 vs 67/100), backed by strong 36.3% margins. 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.
Southern Missouri Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern Missouri Bancorp, Inc. is the banking holding company for Southern Bank providing banking and financial services to individual and corporate clients in the United States. The company is headquartered in Poplar Bluff, Missouri.
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