Arch Capital Group Ltd. (ACGL)vsFirst Seacoast Bancorp (FSEA)
ACGL
Arch Capital Group Ltd.
$99.52
-1.58%
FINANCIAL SERVICES · Cap: $34.28B
FSEA
First Seacoast Bancorp
$17.01
0.00%
FINANCIAL SERVICES · Cap: $79.29M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 121276% more annual revenue ($19.23B vs $15.85M). ACGL leads profitability with a 24.4% profit margin vs -4.7%. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FSEA
Hold36
out of 100
Grade: F
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%
Reasonable price relative to book value
Earnings expanding 700.0% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of -1.2% — below average capital efficiency
Distress zone — elevated risk
Currently unprofitable
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 : FSEA
The strongest argument for FSEA centers on Price/Book, EPS Growth. Revenue growth of 11.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FSEA
The primary concerns for FSEA are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FSEA is a turnaround play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.29 — expect wider price swings.
FSEA is growing revenue faster at 11.4% — 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 36/100), backed by strong 24.4% 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 Seacoast Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Seacoast Bancorp is a holding company of First Seacoast Bank offering a variety of banking products and services to individuals and businesses.
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