Arch Capital Group Ltd. (ACGL)vsCF Bankshares Inc (CFBK)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
CFBK
CF Bankshares Inc
$34.62
+0.26%
FINANCIAL SERVICES · Cap: $217.68M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 34982% more annual revenue ($19.23B vs $54.82M). CFBK leads profitability with a 34.7% profit margin vs 24.4%. ACGL trades at a lower P/E of 8.2x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CFBK
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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, Profit Margin, Debt/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 : CFBK
The strongest argument for CFBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.7% and operating margin at 49.4%. Revenue growth of 10.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CFBK
The primary concerns for CFBK are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CFBK is a mature play — different risk/reward profiles.
CFBK carries more volatility with a beta of 0.42 — expect wider price swings.
CFBK is growing revenue faster at 10.2% — 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 63/100), 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.
CF Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
CF Bankshares Inc. is the banking holding company for CFBank, a National Association that offers various banking products and services in the United States. The company is headquartered in Worthington, Ohio.
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