WallStSmart

Arch Capital Group Ltd (ACGL)vsUnion Bankshares Inc (UNB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 37023% more annual revenue ($19.93B vs $53.68M). ACGL leads profitability with a 22.1% profit margin vs 20.6%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).

ACGL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

UNB

Buy

52

out of 100

Grade: C-

Growth: 5.3Profit: 7.0Value: 6.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

UNB4 strengths · Avg: 9.3/10
P/E RatioValuation
10.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
20.6%9/10

Keeps 21 of every $100 in revenue as profit

Operating MarginProfitability
21.3%8/10

Strong operational efficiency at 21.3%

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

UNB3 concerns · Avg: 2.3/10
Market CapQuality
$117.75M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-10.1%2/10

Earnings declined 10.1%

Free Cash FlowQuality
$-38.44M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : UNB

The strongest argument for UNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 20.6% and operating margin at 21.3%.

Bear Case : ACGL

No major red flags identified for ACGL, but monitor valuation.

Bear Case : UNB

The primary concerns for UNB are Market Cap, EPS Growth, Free Cash Flow.

Key Dynamics to Monitor

ACGL carries more volatility with a beta of 0.38 — expect wider price swings.

UNB is growing revenue faster at 9.9% — 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 52/100), 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.

Union Bankshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Union Bankshares, Inc. is the banking holding company for Union Bank offering retail, commercial and municipal banking products and services in Northern Vermont and New Hampshire. The company is headquartered in Morrisville, Vermont.

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