Arch Capital Group Ltd. (ACGL)vsFirst Bancorp (FBNC)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
FBNC
First Bancorp
$64.80
-0.28%
FINANCIAL SERVICES · Cap: $2.69B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4043% more annual revenue ($18.78B vs $453.20M). FBNC leads profitability with a 36.2% profit margin vs 23.3%. ACGL appears more attractively valued with a PEG of 1.06. FBNC earns a higher WallStSmart Score of 77/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
FBNC
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Revenue surging 49.3% year-over-year
Earnings expanding 152.3% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Distress zone — elevated risk
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 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FBNC
The strongest argument for FBNC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 36.2% and operating margin at 46.2%. Revenue growth of 49.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FBNC is a growth play — different risk/reward profiles.
FBNC carries more volatility with a beta of 0.80 — expect wider price swings.
FBNC is growing revenue faster at 49.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
FBNC scores higher overall (77/100 vs 67/100), backed by strong 36.2% margins and 49.3% 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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