Arch Capital Group Ltd (ACGL)vsFirst US Bancshares Inc (FUSB)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FUSB
First US Bancshares Inc
$16.50
+1.29%
FINANCIAL SERVICES · Cap: $87.63M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 53753% more annual revenue ($19.93B vs $37.01M). ACGL leads profitability with a 22.1% profit margin vs 16.2%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
FUSB
Buy58
out of 100
Grade: C
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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 28.7%
Earnings expanding 24.3% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 5.9% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
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 : FUSB
The strongest argument for FUSB centers on Price/Book, Debt/Equity, P/E Ratio. Profitability is solid with margins at 16.2% and operating margin at 28.7%. Revenue growth of 10.1% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FUSB
The primary concerns for FUSB are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ACGL carries more volatility with a beta of 0.38 — expect wider price swings.
FUSB is growing revenue faster at 10.1% — 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 58/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "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 US Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First US Bancshares, Inc. is the banking holding company for First US Bank offering commercial banking products and services. The company is headquartered in Birmingham, Alabama.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?