Arch Capital Group Ltd. (ACGL)vsSierra Bancorp (BSRR)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
BSRR
Sierra Bancorp
$41.05
+0.17%
FINANCIAL SERVICES · Cap: $545.66M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 12822% more annual revenue ($19.78B vs $153.05M). BSRR leads profitability with a 29.9% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
BSRR
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 43.4%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 47.7% YoY
Areas to Watch
Revenue declined 3.3%
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, EPS Growth, Return on Equity. 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 : BSRR
The strongest argument for BSRR centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 43.4%. Revenue growth of 11.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : BSRR
The primary concerns for BSRR are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while BSRR is a mature play — different risk/reward profiles.
BSRR carries more volatility with a beta of 0.76 — expect wider price swings.
BSRR is growing revenue faster at 11.2% — 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.
Sierra Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Sierra Bancorp is the bank holding company for Bank of the Sierra that provides retail and business banking services to individuals and businesses in California. The company is headquartered in Porterville, California.
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