Arch Capital Group Ltd. (ACGL)vsUnited Bancorp Inc (UBCP)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
UBCP
United Bancorp Inc
$15.79
+1.87%
FINANCIAL SERVICES · Cap: $88.51M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 61169% more annual revenue ($19.78B vs $32.28M). ACGL leads profitability with a 24.6% profit margin vs 24.1%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
UBCP
Buy50
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Strong operational efficiency at 23.4%
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
2.7% earnings growth
Smaller company, higher risk/reward
Elevated debt levels
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : UBCP
The strongest argument for UBCP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.1% and operating margin at 23.4%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : UBCP
The primary concerns for UBCP are EPS Growth, Market Cap, Debt/Equity. Debt-to-equity of 1.74 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UBCP is a mature play — different risk/reward profiles.
UBCP carries more volatility with a beta of 0.36 — expect wider price swings.
UBCP is growing revenue faster at 6.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 50/100), backed by strong 24.6% 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.
United Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bancorp, Inc. is the banking holding company for Unified Bank providing commercial and retail banking services in Ohio. The company is headquartered in Martins Ferry, Ohio.
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