Arch Capital Group Ltd. (ACGL)vsFirst Guaranty Bancshares, Inc. (FGBI)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FGBI
First Guaranty Bancshares, Inc.
$7.95
-3.28%
FINANCIAL SERVICES · Cap: $151.00M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 50916% more annual revenue ($19.23B vs $37.70M). ACGL leads profitability with a 24.4% profit margin vs -96.5%. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FGBI
Hold49
out of 100
Grade: D+
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
Revenue surging 176.8% year-over-year
Earnings expanding 255.4% YoY
Strong operational efficiency at 20.2%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
ROE of -21.0% — below average capital efficiency
Negative free cash flow — burning cash
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 : FGBI
The strongest argument for FGBI centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 176.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FGBI
The primary concerns for FGBI are Market Cap, Piotroski F-Score, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FGBI is a hypergrowth play — different risk/reward profiles.
FGBI carries more volatility with a beta of 0.45 — expect wider price swings.
FGBI is growing revenue faster at 176.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 49/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Hold" 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 Guaranty Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Guaranty Bancshares, Inc. is the holding company of First Guaranty Bank providing commercial banking services in Louisiana and Texas. The company is headquartered in Hammond, Louisiana.
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