Arch Capital Group Ltd. (ACGL)vsVirginia National Bankshares Corp (VABK)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
VABK
Virginia National Bankshares Corp
$49.22
+2.76%
FINANCIAL SERVICES · Cap: $254.66M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 30221% more annual revenue ($19.23B vs $63.43M). VABK leads profitability with a 39.1% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. VABK earns a higher WallStSmart Score of 68/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
VABK
Strong Buy68
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
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
Reasonable price relative to book value
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 59.9%
Revenue surging 38.6% year-over-year
Earnings expanding 111.5% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
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 : VABK
The strongest argument for VABK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 39.1% and operating margin at 59.9%. Revenue growth of 38.6% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : VABK
The primary concerns for VABK are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while VABK is a growth play — different risk/reward profiles.
VABK carries more volatility with a beta of 0.46 — expect wider price swings.
VABK is growing revenue faster at 38.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
VABK scores higher overall (68/100 vs 67/100), backed by strong 39.1% margins and 38.6% 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.
Virginia National Bankshares Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Virginia National Bankshares Corporation is the holding company of Virginia National Bank providing a range of commercial banking services. The company is headquartered in Charlottesville, Virginia.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?