Arch Capital Group Ltd (ACGL)vsGreene County Bancorp Inc (GCBC)
ACGL
Arch Capital Group Ltd
$94.70
+0.59%
FINANCIAL SERVICES · Cap: $33.14B
GCBC
Greene County Bancorp Inc
$23.70
-0.42%
FINANCIAL SERVICES · Cap: $405.24M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 22779% more annual revenue ($19.78B vs $86.44M). GCBC leads profitability with a 45.1% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
GCBC
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 21 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 51.9%
Reasonable price relative to book value
Revenue surging 23.4% year-over-year
Earnings expanding 31.5% YoY
Areas to Watch
Revenue declined 3.3%
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
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 : GCBC
The strongest argument for GCBC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 45.1% and operating margin at 51.9%. Revenue growth of 23.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : GCBC
The primary concerns for GCBC are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while GCBC is a growth play — different risk/reward profiles.
GCBC carries more volatility with a beta of 0.41 — expect wider price swings.
GCBC is growing revenue faster at 23.4% — 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.
Greene County Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Greene County Bancorp, Inc. is a holding company for The Bank of Greene County providing various financial services.
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