Arch Capital Group Ltd. (ACGL)vsFive Star Bancorp (FSBC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FSBC
Five Star Bancorp
$46.41
-0.17%
FINANCIAL SERVICES · Cap: $1.11B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 11374% more annual revenue ($19.23B vs $167.61M). FSBC leads profitability with a 43.0% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. FSBC earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FSBC
Strong Buy67
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
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 58.4%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 27.6% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
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, 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 : FSBC
The strongest argument for FSBC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.0% and operating margin at 58.4%. Revenue growth of 27.6% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FSBC
The primary concerns for FSBC are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FSBC is a growth play — different risk/reward profiles.
FSBC carries more volatility with a beta of 0.53 — expect wider price swings.
FSBC is growing revenue faster at 27.6% — 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 67/100), 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.
Five Star Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Five Star Bancorp is the banking holding company for Five Star Bank offering a range of banking products and services to small and medium-sized businesses, professionals and individuals. The company is headquartered in Rancho Cordova, California.
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