WallStSmart

Arch Capital Group Ltd. (ACGL)vsChain Bridge Bancorp, Inc. (CBNA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 29166% more annual revenue ($19.23B vs $65.71M). CBNA leads profitability with a 40.5% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. CBNA earns a higher WallStSmart Score of 72/100 (B).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

CBNA

Strong Buy

72

out of 100

Grade: B

Growth: 10.0Profit: 7.5Value: 6.7Quality: 3.3
Piotroski: 2/9Altman Z: -0.22

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

CBNA6 strengths · Avg: 9.7/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
40.5%10/10

Keeps 41 of every $100 in revenue as profit

Operating MarginProfitability
61.2%10/10

Strong operational efficiency at 61.2%

Revenue GrowthGrowth
54.9%10/10

Revenue surging 54.9% year-over-year

EPS GrowthGrowth
107.5%10/10

Earnings expanding 107.5% YoY

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

CBNA3 concerns · Avg: 2.7/10
Market CapQuality
$303.94M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.222/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : CBNA

The strongest argument for CBNA centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.5% and operating margin at 61.2%. Revenue growth of 54.9% demonstrates continued momentum.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : CBNA

The primary concerns for CBNA are Market Cap, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

ACGL profiles as a declining stock while CBNA is a growth play — different risk/reward profiles.

CBNA is growing revenue faster at 54.9% — sustainability is the question.

ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CBNA scores higher overall (72/100 vs 67/100), backed by strong 40.5% margins and 54.9% 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.

Chain Bridge Bancorp, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Chain Bridge Bancorp, Inc. is a bank holding company for Chain Bridge Bank, N.A., that provides commercial and personal banking services in the United States. The company is headquartered in McLean, Virginia.

Visit Website →

Want to dig deeper into these stocks?