Arch Capital Group Ltd. (ACGL)vsFB Financial Corp (FBK)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FBK
FB Financial Corp
$54.76
-0.33%
FINANCIAL SERVICES · Cap: $2.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2855% more annual revenue ($19.23B vs $650.78M). FBK leads profitability with a 30.2% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. FBK earns a higher WallStSmart Score of 73/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
FBK
Strong Buy73
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
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 45.6%
Revenue surging 130.2% year-over-year
Earnings expanding 1783.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
ROE of 7.9% — below average capital efficiency
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 : FBK
The strongest argument for FBK centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.2% and operating margin at 45.6%. Revenue growth of 130.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FBK
The primary concerns for FBK are Return on Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FBK is a growth play — different risk/reward profiles.
FBK carries more volatility with a beta of 0.92 — expect wider price swings.
FBK is growing revenue faster at 130.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FBK scores higher overall (73/100 vs 67/100), backed by strong 30.2% margins and 130.2% 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.
FB Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FB Financial Corporation is a banking holding company for FirstBank offering a pool of commercial and consumer banking companies, professionals and individuals. The company is headquartered in Nashville, Tennessee.
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