Arch Capital Group Ltd. (ACGL)vsGreene County Bancorp Inc (GCBC)
ACGL
Arch Capital Group Ltd.
$99.52
-1.58%
FINANCIAL SERVICES · Cap: $34.28B
GCBC
Greene County Bancorp Inc
$34.63
+1.26%
FINANCIAL SERVICES · Cap: $561.84M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 21140% more annual revenue ($19.23B vs $90.55M). GCBC leads profitability with a 45.3% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
GCBC
Buy65
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 52.0%
Attractively priced relative to earnings
Reasonable price relative to book value
19.8% revenue growth
Earnings expanding 21.5% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : GCBC
The strongest argument for GCBC centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 45.3% and operating margin at 52.0%. Revenue growth of 19.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : GCBC
The primary concerns for GCBC are PEG Ratio, Market Cap.
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 0.39 — expect wider price swings.
GCBC is growing revenue faster at 19.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 65/100), backed by strong 24.4% margins. Both earn "Strong 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.
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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