Arch Capital Group Ltd. (ACGL)vsFarmers National Banc Corp (FMNB)
ACGL
Arch Capital Group Ltd.
$99.09
-0.43%
FINANCIAL SERVICES · Cap: $34.28B
FMNB
Farmers National Banc Corp
$15.99
+0.06%
FINANCIAL SERVICES · Cap: $899.48M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8705% more annual revenue ($19.23B vs $218.43M). FMNB leads profitability with a 30.4% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FMNB
Strong Buy66
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 44.5%
Revenue surging 56.4% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. 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 : FMNB
The strongest argument for FMNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.4% and operating margin at 44.5%. Revenue growth of 56.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FMNB
The primary concerns for FMNB are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FMNB is a growth play — different risk/reward profiles.
FMNB carries more volatility with a beta of 0.79 — expect wider price swings.
FMNB is growing revenue faster at 56.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 66/100), backed by strong 24.4% margins. 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.
Farmers National Banc Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Farmers National Banc Corp. The company is headquartered in Canfield, Ohio.
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