Arch Capital Group Ltd. (ACGL)vsWest Bancorporation (WTBA)
ACGL
Arch Capital Group Ltd.
$99.09
-0.43%
FINANCIAL SERVICES · Cap: $34.28B
WTBA
West Bancorporation
$28.61
+1.27%
FINANCIAL SERVICES · Cap: $478.08M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 18504% more annual revenue ($19.23B vs $103.37M). WTBA leads profitability with a 37.1% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.9x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
WTBA
Buy64
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 52.6%
Attractively priced relative to earnings
Reasonable price relative to book value
18.0% revenue growth
Earnings expanding 36.2% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. 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 : WTBA
The strongest argument for WTBA centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 37.1% and operating margin at 52.6%. Revenue growth of 18.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : WTBA
The primary concerns for WTBA are Market Cap, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while WTBA is a growth play — different risk/reward profiles.
WTBA carries more volatility with a beta of 0.70 — expect wider price swings.
WTBA is growing revenue faster at 18.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 64/100), 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.
West Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
West Bancorporation, Inc. is West Bank's financial holding company providing trust and community banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in West Des Moines, Iowa.
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