Arch Capital Group Ltd. (ACGL)vsS&T Bancorp Inc (STBA)
ACGL
Arch Capital Group Ltd.
$98.76
-1.95%
FINANCIAL SERVICES · Cap: $34.35B
STBA
S&T Bancorp Inc
$49.84
-0.04%
FINANCIAL SERVICES · Cap: $1.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4652% more annual revenue ($19.23B vs $404.69M). STBA leads profitability with a 34.7% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. STBA earns a higher WallStSmart Score of 69/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
STBA
Strong Buy69
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
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 22.9% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : STBA
The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.7% and operating margin at 44.7%. PEG of 1.23 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 : STBA
The primary concerns for STBA are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while STBA is a mature play — different risk/reward profiles.
STBA carries more volatility with a beta of 0.84 — expect wider price swings.
STBA is growing revenue faster at 6.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
STBA scores higher overall (69/100 vs 67/100), backed by strong 34.7% 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.
S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
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