Arch Capital Group Ltd. (ACGL)vsFirst Guaranty Bancshares, Inc. (FGBI)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
FGBI
First Guaranty Bancshares, Inc.
$9.35
-3.01%
FINANCIAL SERVICES · Cap: $152.95M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 82538% more annual revenue ($19.78B vs $23.93M). ACGL leads profitability with a 24.6% profit margin vs -196.9%. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FGBI
Hold47
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Reasonable price relative to book value
Revenue surging 102.1% year-over-year
Earnings expanding 255.4% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
ROE of -21.0% — 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, EPS Growth, Return on Equity. 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 : FGBI
The strongest argument for FGBI centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 102.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue 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 0.44 — expect wider price swings.
FGBI is growing revenue faster at 102.1% — 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 47/100), backed by strong 24.6% 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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