Arch Capital Group Ltd. (ACGL)vsCommunity Trust Bancorp Inc (CTBI)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
CTBI
Community Trust Bancorp Inc
$67.58
+0.10%
FINANCIAL SERVICES · Cap: $1.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6977% more annual revenue ($19.78B vs $279.45M). CTBI leads profitability with a 37.0% profit margin vs 24.6%. CTBI appears more attractively valued with a PEG of 1.03. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CTBI
Strong Buy72
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
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
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 50.8%
Earnings expanding 23.0% YoY
Areas to Watch
Revenue declined 3.3%
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, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : CTBI
The strongest argument for CTBI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.0% and operating margin at 50.8%. Revenue growth of 14.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CTBI
The primary concerns for CTBI are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CTBI is a mature play — different risk/reward profiles.
CTBI carries more volatility with a beta of 0.57 — expect wider price swings.
CTBI is growing revenue faster at 14.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 72/100), backed by strong 24.6% 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.
Community Trust Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Community Trust Bancorp, Inc. is the banking holding company for Community Trust Bank, Inc. providing commercial and personal banking services to small and medium-sized communities. The company is headquartered in Pikeville, Kentucky.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?