Arch Capital Group Ltd. (ACGL)vsUnited Community Banks, Inc. (UCB)
ACGL
Arch Capital Group Ltd.
$98.48
-0.82%
FINANCIAL SERVICES · Cap: $34.28B
UCB
United Community Banks, Inc.
$35.51
-0.53%
FINANCIAL SERVICES · Cap: $4.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1635% more annual revenue ($19.23B vs $1.11B). UCB leads profitability with a 34.1% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. UCB earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
UCB
Strong Buy79
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 50.9%
Earnings expanding 50.8% YoY
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. 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 : UCB
The strongest argument for UCB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.1% and operating margin at 50.9%. Revenue growth of 24.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : UCB
The primary concerns for UCB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UCB is a growth play — different risk/reward profiles.
UCB carries more volatility with a beta of 0.83 — expect wider price swings.
UCB is growing revenue faster at 24.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
UCB scores higher overall (79/100 vs 67/100), backed by strong 34.1% margins and 24.4% revenue growth. 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.
United Community Banks, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Community Banks, Inc. (UCB), based in Blairsville, Georgia, is a prominent regional banking institution offering a diverse array of financial services, including commercial banking, retail banking, mortgage lending, and wealth management, primarily throughout the Southeastern United States. With a strategic focus on community involvement and growth through selective acquisitions, UCB is well-positioned for long-term profitability and development. The company's robust risk management practices and unwavering dedication to customer satisfaction solidify its standing as a reliable financial partner for individuals and businesses alike. By fostering innovation while adhering to its foundational values, UCB is set to continue its trajectory of growth in an evolving financial landscape.
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