Arch Capital Group Ltd. (ACGL)vsFirst United Corporation (FUNC)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
FUNC
First United Corporation
$38.12
-2.36%
FINANCIAL SERVICES · Cap: $256.06M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 22323% more annual revenue ($19.78B vs $88.20M). FUNC leads profitability with a 28.8% profit margin vs 24.6%. FUNC appears more attractively valued with a PEG of 0.33. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FUNC
Strong Buy71
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.0%
Keeps 29 of every $100 in revenue as profit
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : FUNC
The strongest argument for FUNC centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 28.8% and operating margin at 41.0%. Revenue growth of 11.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FUNC
The primary concerns for FUNC are Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FUNC is a mature play — different risk/reward profiles.
FUNC carries more volatility with a beta of 0.53 — expect wider price swings.
FUNC is growing revenue faster at 11.2% — 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 71/100), 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.
First United Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First United Corporation is the banking holding company for First United Bank & Trust providing various retail and commercial banking services to businesses and individuals. The company is headquartered in Oakland, Maryland.
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