Arch Capital Group Ltd. (ACGL)vsUnity Bancorp Inc (UNTY)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
UNTY
Unity Bancorp Inc
$60.13
+1.76%
FINANCIAL SERVICES · Cap: $602.15M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 14645% more annual revenue ($19.23B vs $130.43M). UNTY leads profitability with a 45.0% profit margin vs 24.4%. UNTY appears more attractively valued with a PEG of 0.99. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
UNTY
Buy62
out of 100
Grade: C+
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
Attractively priced relative to earnings
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 58.2%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 5.7%
Earnings declined 11.8%
Negative free cash flow — burning cash
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 : UNTY
The strongest argument for UNTY centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 45.0% and operating margin at 58.2%. PEG of 0.99 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 : UNTY
The primary concerns for UNTY are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
UNTY carries more volatility with a beta of 0.62 — expect wider price swings.
UNTY is growing revenue faster at -5.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (67/100 vs 62/100), backed by strong 24.4% 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.
Unity Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Unity Bancorp, Inc. is the holding company of Unity Bank providing commercial and retail banking products and services to individuals, small and medium-sized businesses and professional communities. The company is headquartered in Clinton, New Jersey.
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