Arch Capital Group Ltd. (ACGL)vsCustomers Bancorp, Inc. (CUBI)
ACGL
Arch Capital Group Ltd.
$107.28
-2.98%
FINANCIAL SERVICES · Cap: $34.24B
CUBI
Customers Bancorp, Inc.
$84.73
+0.49%
FINANCIAL SERVICES · Cap: $2.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2203% more annual revenue ($19.23B vs $835.25M). 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 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CUBI
Strong Buy67
out of 100
Grade: B-
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 1.7B 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 49.2%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
4.1% revenue growth
2.3% earnings growth
Elevated debt levels
Weak financial health signals
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 : 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 49.2%. PEG of 1.18 suggests the stock is reasonably priced for its growth.
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 Revenue Growth, EPS Growth, Debt/Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CUBI is a value play — different risk/reward profiles.
CUBI carries more volatility with a beta of 1.53 — expect wider price swings.
CUBI is growing revenue faster at 4.1% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (67/100 vs 67/100), 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.
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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