Arch Capital Group Ltd. (ACGL)vsFirst Mid Illinois Bancshares Inc (FMBH)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FMBH
First Mid Illinois Bancshares Inc
$51.02
+0.33%
FINANCIAL SERVICES · Cap: $1.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 5051% more annual revenue ($19.23B vs $373.36M). FMBH leads profitability with a 26.9% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. FMBH earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
FMBH
Strong Buy72
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
Strong operational efficiency at 38.8%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.0% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : FMBH
The strongest argument for FMBH centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.9% and operating margin at 38.8%. Revenue growth of 26.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FMBH
The primary concerns for FMBH are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FMBH is a growth play — different risk/reward profiles.
FMBH carries more volatility with a beta of 0.78 — expect wider price swings.
FMBH is growing revenue faster at 26.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FMBH scores higher overall (72/100 vs 67/100), backed by strong 26.9% margins and 26.0% 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 Mid Illinois Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail and agricultural clients in the United States. The company is headquartered in Mattoon, Illinois.
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