Arch Capital Group Ltd (ACGL)vsWestamerica Bancorporation (WABC)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
WABC
Westamerica Bancorporation
$54.82
-0.02%
FINANCIAL SERVICES · Cap: $1.30B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 7749% more annual revenue ($19.93B vs $253.92M). WABC leads profitability with a 44.3% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
WABC
Buy53
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 60.2%
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 6.7%
Earnings declined 3.0%
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : WABC
The strongest argument for WABC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 44.3% and operating margin at 60.2%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : WABC
The primary concerns for WABC are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while WABC is a declining play — different risk/reward profiles.
WABC carries more volatility with a beta of 0.56 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 53/100), 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.
Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?