Arch Capital Group Ltd (ACGL)vsTrustCo Bank Corp NY (TRST)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
TRST
TrustCo Bank Corp NY
$47.60
+1.64%
FINANCIAL SERVICES · Cap: $832.22M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 10396% more annual revenue ($19.93B vs $189.87M). TRST leads profitability with a 33.3% profit margin vs 22.1%. TRST appears more attractively valued with a PEG of 0.63. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
TRST
Strong Buy71
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 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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.0%
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 21.3% 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 : TRST
The strongest argument for TRST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 47.0%. PEG of 0.63 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : TRST
The primary concerns for TRST are Market Cap.
Key Dynamics to Monitor
TRST 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.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 71/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
TrustCo Bank Corp NY
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.
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