Arch Capital Group Ltd (ACGL)vsFirst United Corporation (FUNC)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FUNC
First United Corporation
$37.16
+0.03%
FINANCIAL SERVICES · Cap: $246.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 22496% more annual revenue ($19.93B vs $88.20M). FUNC leads profitability with a 28.8% profit margin vs 22.1%. FUNC appears more attractively valued with a PEG of 0.33. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
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
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
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
No major concerns identified
Smaller company, higher risk/reward
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 22.1% and operating margin at 29.5%. 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 11.1% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FUNC
The primary concerns for FUNC are Market Cap.
Key Dynamics to Monitor
FUNC carries more volatility with a beta of 0.52 — expect wider price swings.
FUNC is growing revenue faster at 11.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 71/100), backed by strong 22.1% margins. Both earn "Exceptional 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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