Arch Capital Group Ltd (ACGL)vsColony Bankcorp Inc. (CBAN)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
CBAN
Colony Bankcorp Inc.
$19.81
+0.61%
FINANCIAL SERVICES · Cap: $420.91M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 14412% more annual revenue ($19.93B vs $137.33M). ACGL leads profitability with a 22.1% profit margin vs 21.7%. 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-
CBAN
Strong Buy66
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 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
Strong operational efficiency at 31.7%
Revenue surging 33.9% year-over-year
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
Expensive relative to growth rate
2.4% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
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 : CBAN
The strongest argument for CBAN centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 21.7% and operating margin at 31.7%. Revenue growth of 33.9% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : CBAN
The primary concerns for CBAN are PEG Ratio, EPS Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a mature stock while CBAN is a growth play — different risk/reward profiles.
CBAN carries more volatility with a beta of 0.60 — expect wider price swings.
CBAN is growing revenue faster at 33.9% — 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 66/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Colony Bankcorp Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Colony Bankcorp, Inc. is the banking holding company for Colony Bank offering various banking products and services to business clients and consumers. The company is headquartered in Fitzgerald, Georgia.
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