Arch Capital Group Ltd (ACGL)vsBogota Financial Corp (BSBK)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
BSBK
Bogota Financial Corp
$8.35
-0.71%
FINANCIAL SERVICES · Cap: $105.78M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 114639% more annual revenue ($19.93B vs $17.37M). ACGL leads profitability with a 22.1% profit margin vs 12.0%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
BSBK
Hold44
out of 100
Grade: D
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
Revenue surging 44.0% year-over-year
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 1.5% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 45.4%
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 : BSBK
The strongest argument for BSBK centers on Price/Book, Revenue Growth. Revenue growth of 44.0% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : BSBK
The primary concerns for BSBK are Market Cap, Return on Equity, P/E Ratio. A P/E of 49.5x leaves little room for execution misses.
Key Dynamics to Monitor
ACGL profiles as a mature stock while BSBK is a growth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.38 — expect wider price swings.
BSBK is growing revenue faster at 44.0% — 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 44/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Hold" 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.
Bogota Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bogota Financial Corp. The company is headquartered in Teaneck, New Jersey.
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