Arch Capital Group Ltd (ACGL)vsSmartFinancial, Inc. (SMBK)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
SMBK
SmartFinancial, Inc.
$41.94
+0.43%
FINANCIAL SERVICES · Cap: $732.16M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 10041% more annual revenue ($19.93B vs $196.53M). SMBK leads profitability with a 26.9% profit margin vs 22.1%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
SMBK
Buy62
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 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 37.8%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 20.9% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
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 : SMBK
The strongest argument for SMBK centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.9% and operating margin at 37.8%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : SMBK
The primary concerns for SMBK are Market Cap.
Key Dynamics to Monitor
SMBK carries more volatility with a beta of 0.76 — 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.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 62/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
SmartFinancial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SmartFinancial, Inc. is SmartBank's banking holding company that provides various financial services to individual and corporate clients. The company is headquartered in Knoxville, Tennessee.
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