Arch Capital Group Ltd. (ACGL)vsCentral Plains Bancshares, Inc. Common Stock (CPBI)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
CPBI
Central Plains Bancshares, Inc. Common Stock
$21.40
+1.57%
FINANCIAL SERVICES · Cap: $83.20M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 88486% more annual revenue ($19.23B vs $21.71M). ACGL leads profitability with a 24.4% profit margin vs 20.7%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CPBI
Strong Buy66
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
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
Reasonable price relative to book value
Strong operational efficiency at 32.8%
Earnings expanding 50.0% YoY
Keeps 21 of every $100 in revenue as profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.4% — below average capital efficiency
Negative free cash flow — burning cash
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 : CPBI
The strongest argument for CPBI centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 20.7% and operating margin at 32.8%. Revenue growth of 13.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CPBI
The primary concerns for CPBI are Market Cap, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CPBI is a mature play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.28 — expect wider price swings.
CPBI is growing revenue faster at 13.1% — 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 66/100), backed by strong 24.4% margins. 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.
Central Plains Bancshares, Inc. Common Stock
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. The company is headquartered in Grand Island, Nebraska.
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