Arch Capital Group Ltd. (ACGL)vsLake Shore Bancorp Inc (LSBK)
ACGL
Arch Capital Group Ltd.
$101.27
+1.97%
FINANCIAL SERVICES · Cap: $33.89B
LSBK
Lake Shore Bancorp Inc
$18.23
+0.61%
FINANCIAL SERVICES · Cap: $143.33M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 64105% more annual revenue ($19.23B vs $29.95M). LSBK leads profitability with a 28.0% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
LSBK
Buy56
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 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 36.2%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 5.7% — below average capital efficiency
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : LSBK
The strongest argument for LSBK centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.0% and operating margin at 36.2%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : LSBK
The primary concerns for LSBK are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LSBK is a mature play — different risk/reward profiles.
LSBK carries more volatility with a beta of 0.29 — expect wider price swings.
LSBK is growing revenue faster at 8.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 56/100), 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.
Lake Shore Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lake Shore Bancorp, Inc. is the savings and loan holding company of Lake Shore Savings Bank offering banking products and services.
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