Arch Capital Group Ltd. (ACGL)vsHawthorn Bancshares Inc (HWBK)
ACGL
Arch Capital Group Ltd.
$99.09
-0.43%
FINANCIAL SERVICES · Cap: $34.28B
HWBK
Hawthorn Bancshares Inc
$39.73
+0.23%
FINANCIAL SERVICES · Cap: $264.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 23647% more annual revenue ($19.23B vs $80.99M). HWBK leads profitability with a 29.8% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.9x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
HWBK
Buy57
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%
Attractively priced relative to earnings
Strong operational efficiency at 35.4%
Keeps 30 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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, 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 : HWBK
The strongest argument for HWBK centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 29.8% and operating margin at 35.4%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : HWBK
The primary concerns for HWBK are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while HWBK is a mature play — different risk/reward profiles.
HWBK carries more volatility with a beta of 0.46 — expect wider price swings.
HWBK is growing revenue faster at 5.4% — 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 57/100), 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.
Hawthorn Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hawthorn Bancshares, Inc. is the banking holding company for Hawthorn Bank providing various banking services in Missouri. The company is headquartered in Jefferson City, Missouri.
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