Arch Capital Group Ltd. (ACGL)vsCapital City Bank Group (CCBG)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
CCBG
Capital City Bank Group
$50.70
-0.04%
FINANCIAL SERVICES · Cap: $867.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7550% more annual revenue ($19.23B vs $251.39M). CCBG leads profitability with a 24.6% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CCBG
Buy62
out of 100
Grade: C+
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
Strong operational efficiency at 33.3%
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
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
2.1% revenue growth
Smaller company, higher risk/reward
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 : CCBG
The strongest argument for CCBG centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 24.6% and operating margin at 33.3%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CCBG
The primary concerns for CCBG are PEG Ratio, Revenue Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CCBG is a value play — different risk/reward profiles.
CCBG carries more volatility with a beta of 0.34 — expect wider price swings.
CCBG is growing revenue faster at 2.1% — 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 62/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "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.
Capital City Bank Group
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Capital City Bank Group, Inc. is Capital City Bank's financial holding company providing a range of banking and banking-related services to individual and corporate clients. The company is headquartered in Tallahassee, Florida.
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