Arch Capital Group Ltd. (ACGL)vsCarter Bank and Trust (CARE)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
CARE
Carter Bank and Trust
$31.23
-1.17%
FINANCIAL SERVICES · Cap: $723.41M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6619% more annual revenue ($19.23B vs $286.21M). CARE leads profitability with a 44.9% profit margin vs 24.4%. CARE trades at a lower P/E of 5.4x. CARE earns a higher WallStSmart Score of 77/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
CARE
Strong Buy77
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 45 of every $100 in revenue as profit
Strong operational efficiency at 55.0%
Revenue surging 68.3% year-over-year
Earnings expanding 253.9% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : CARE
The strongest argument for CARE centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 44.9% and operating margin at 55.0%. Revenue growth of 68.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CARE
The primary concerns for CARE are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CARE is a growth play — different risk/reward profiles.
CARE carries more volatility with a beta of 0.50 — expect wider price swings.
CARE is growing revenue faster at 68.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CARE scores higher overall (77/100 vs 67/100), backed by strong 44.9% margins and 68.3% 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.
Carter Bank and Trust
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Carter Bankshares, Inc. is the banking holding company for Carter Bank & Trust offering a variety of banking products and services. The company is headquartered in Martinsville, Virginia.
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