Arch Capital Group Ltd. (ACGL)vsCoastal Financial Corp (CCB)
ACGL
Arch Capital Group Ltd.
$98.76
-1.95%
FINANCIAL SERVICES · Cap: $34.35B
CCB
Coastal Financial Corp
$46.74
-0.26%
FINANCIAL SERVICES · Cap: $802.07M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 5212% more annual revenue ($19.23B vs $362.02M). ACGL leads profitability with a 24.4% profit margin vs -1.1%. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CCB
Hold37
out of 100
Grade: F
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
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 23.8% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
ROE of -0.8% — below average capital efficiency
Revenue declined 1.5%
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 : CCB
The strongest argument for CCB centers on Debt/Equity, Price/Book, EPS Growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CCB
The primary concerns for CCB are Market Cap, Piotroski F-Score, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CCB is a turnaround play — different risk/reward profiles.
CCB carries more volatility with a beta of 0.77 — expect wider price swings.
CCB is growing revenue faster at -1.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 37/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Hold" 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.
Coastal Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Coastal Financial Corporation is the banking holding company for Coastal Community Bank offering various banking products and services to small and medium-sized businesses, professionals and individuals in the Puget Sound region of Washington. The company is headquartered in Everett, Washington.
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