Arch Capital Group Ltd. (ACGL)vsUnity Bancorp Inc (UNTY)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
UNTY
Unity Bancorp Inc
$55.17
+2.70%
FINANCIAL SERVICES · Cap: $556.77M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 14838% more annual revenue ($19.78B vs $132.39M). UNTY leads profitability with a 45.8% profit margin vs 24.6%. UNTY appears more attractively valued with a PEG of 0.99. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
UNTY
Strong Buy76
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
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
Attractively priced relative to earnings
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Growing faster than its price suggests
Reasonable price relative to book value
16.1% revenue growth
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. 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 : UNTY
The strongest argument for UNTY centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 45.8% and operating margin at 57.7%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : UNTY
The primary concerns for UNTY are Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UNTY is a growth play — different risk/reward profiles.
UNTY carries more volatility with a beta of 0.64 — expect wider price swings.
UNTY is growing revenue faster at 16.1% — 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 76/100), backed by strong 24.6% margins. 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.
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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