Arch Capital Group Ltd. (ACGL)vsFidelity D&D Bancorp Inc (FDBC)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
FDBC
Fidelity D&D Bancorp Inc
$46.85
+1.34%
FINANCIAL SERVICES · Cap: $276.04M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 20947% more annual revenue ($19.78B vs $93.97M). FDBC leads profitability with a 31.6% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FDBC
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 36.8%
Conservative balance sheet, low leverage
Earnings expanding 24.3% YoY
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, Price/Book, EPS Growth. 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 : FDBC
The strongest argument for FDBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.6% and operating margin at 36.8%. Revenue growth of 10.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FDBC
The primary concerns for FDBC are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FDBC is a mature play — different risk/reward profiles.
FDBC carries more volatility with a beta of 0.84 — expect wider price swings.
FDBC is growing revenue faster at 10.8% — 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 62/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "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.
Fidelity D&D Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Fidelity D & D Bancorp, Inc. is the banking holding company for The Fidelity Deposit and Discount Bank, providing a variety of banking, trust and financial services to individuals, small businesses and corporate clients. The company is headquartered in Dunmore, Pennsylvania.
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