WallStSmart

Arch Capital Group Ltd (ACGL)vsFirst Seacoast Bancorp (FSEA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 127981% more annual revenue ($19.78B vs $15.44M). ACGL leads profitability with a 24.6% profit margin vs -5.5%. ACGL earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

FSEA

Hold

43

out of 100

Grade: D

Growth: 8.7Profit: 2.0Value: 5.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
21.3%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

FSEA3 strengths · Avg: 9.3/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

EPS GrowthGrowth
700.0%10/10

Earnings expanding 700.0% YoY

Revenue GrowthGrowth
20.2%8/10

Revenue surging 20.2% year-over-year

Areas to Watch

ACGL1 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

FSEA4 concerns · Avg: 2.0/10
Market CapQuality
$55.08M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-1.4%2/10

ROE of -1.4% — below average capital efficiency

Free Cash FlowQuality
$-699,0002/10

Negative free cash flow — burning cash

Profit MarginProfitability
-5.5%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull 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 : FSEA

The strongest argument for FSEA centers on Price/Book, EPS Growth, Revenue Growth. Revenue growth of 20.2% demonstrates continued momentum.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth.

Bear Case : FSEA

The primary concerns for FSEA are Market Cap, Return on Equity, Free Cash Flow.

Key Dynamics to Monitor

ACGL profiles as a declining stock while FSEA is a growth play — different risk/reward profiles.

ACGL carries more volatility with a beta of 0.38 — expect wider price swings.

FSEA is growing revenue faster at 20.2% — 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 43/100), backed by strong 24.6% 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.

Visit Website →

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