Arch Capital Group Ltd. (ACGL)vsFS Bancorp Inc (FSBW)
ACGL
Arch Capital Group Ltd.
$97.54
+3.40%
FINANCIAL SERVICES · Cap: $32.74B
FSBW
FS Bancorp Inc
$43.22
-2.96%
FINANCIAL SERVICES · Cap: $309.11M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 13630% more annual revenue ($19.78B vs $144.04M). ACGL leads profitability with a 24.6% profit margin vs 23.0%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FSBW
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
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Keeps 23 of every $100 in revenue as profit
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
2.6% revenue growth
1.0% earnings growth
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, EPS Growth. 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 : FSBW
The strongest argument for FSBW centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 23.0% and operating margin at 32.5%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FSBW
The primary concerns for FSBW are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FSBW is a value play — different risk/reward profiles.
FSBW carries more volatility with a beta of 0.66 — expect wider price swings.
FSBW is growing revenue faster at 2.6% — 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 67/100), backed by strong 24.6% 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.
FS Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FS Bancorp, Inc. is a bank holding company for 1st Security Bank of Washington providing banking and financial services to local families, local and regional businesses, and industry niches. The company is headquartered in Mountlake Terrace, Washington.
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