Arch Capital Group Ltd. (ACGL)vsCommunity Bank System Inc (CBU)
ACGL
Arch Capital Group Ltd.
$98.48
-0.82%
FINANCIAL SERVICES · Cap: $34.28B
CBU
Community Bank System Inc
$64.85
-0.72%
FINANCIAL SERVICES · Cap: $3.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2195% more annual revenue ($19.23B vs $838.16M). CBU leads profitability with a 27.2% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. CBU earns a higher WallStSmart Score of 69/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CBU
Strong Buy69
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Strong operational efficiency at 39.0%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. 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 : CBU
The strongest argument for CBU centers on Operating Margin, Profit Margin, P/E Ratio. Profitability is solid with margins at 27.2% and operating margin at 39.0%. Revenue growth of 12.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CBU
The primary concerns for CBU are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CBU is a mature play — different risk/reward profiles.
CBU carries more volatility with a beta of 0.79 — expect wider price swings.
CBU is growing revenue faster at 12.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
CBU scores higher overall (69/100 vs 67/100), backed by strong 27.2% margins and 12.0% 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.
Community Bank System Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Community Bank System, Inc. is the banking holding company for Community Bank, NA providing various banking and other financial services to retail, commercial and municipal clients. The company is headquartered in Onondaga, New York.
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