Arch Capital Group Ltd. (ACGL)vsCommunity Trust Bancorp Inc (CTBI)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
CTBI
Community Trust Bancorp Inc
$78.35
+0.29%
FINANCIAL SERVICES · Cap: $1.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6790% more annual revenue ($19.78B vs $287.05M). CTBI leads profitability with a 37.6% 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 Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 51.6%
Attractively priced relative to earnings
Reasonable price relative to book value
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, EPS Growth, Return on Equity. 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 Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 37.6% and operating margin at 51.6%. Revenue growth of 11.2% 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 0.56 — expect wider price swings.
CTBI is growing revenue faster at 11.2% — 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 70/100), 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.
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