Arch Capital Group Ltd. (ACGL)vsCustomers Bancorp, Inc. (CUBI)
ACGL
Arch Capital Group Ltd.
$94.95
-0.87%
FINANCIAL SERVICES · Cap: $33.06B
CUBI
Customers Bancorp, Inc.
$77.35
-1.93%
FINANCIAL SERVICES · Cap: $2.64B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2226% more annual revenue ($19.23B vs $826.80M). CUBI leads profitability with a 35.2% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. CUBI earns a higher WallStSmart Score of 75/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
CUBI
Strong Buy75
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 46.0%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
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 : CUBI
The strongest argument for CUBI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.2% and operating margin at 46.0%. Revenue growth of 10.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CUBI
The primary concerns for CUBI are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CUBI is a mature play — different risk/reward profiles.
CUBI carries more volatility with a beta of 1.48 — expect wider price swings.
CUBI is growing revenue faster at 10.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CUBI scores higher overall (75/100 vs 67/100), backed by strong 35.2% margins and 10.1% revenue growth. 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.
Customers Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Clients Bancorp, Inc. is the banking holding company for Clients Bank providing financial products and services to individual consumers and small and medium market businesses. The company is headquartered in West Reading, Pennsylvania.
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