Arch Capital Group Ltd. (ACGL)vsMid Penn Bancorp (MPB)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
MPB
Mid Penn Bancorp
$31.51
-4.17%
FINANCIAL SERVICES · Cap: $834.36M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8131% more annual revenue ($19.78B vs $240.26M). ACGL leads profitability with a 24.6% profit margin vs 21.3%. 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+
MPB
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 35.2%
Revenue surging 33.3% year-over-year
Conservative balance sheet, low leverage
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 5.8% — below average capital efficiency
Expensive relative to growth rate
Earnings declined 49.3%
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 : MPB
The strongest argument for MPB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 21.3% and operating margin at 35.2%. Revenue growth of 33.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : MPB
The primary concerns for MPB are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
ACGL profiles as a declining stock while MPB is a growth play — different risk/reward profiles.
MPB carries more volatility with a beta of 0.48 — expect wider price swings.
MPB is growing revenue faster at 33.3% — 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 65/100), backed by strong 24.6% 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.
Mid Penn Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mid Penn Bancorp, Inc. is the banking holding company for Mid Penn Bank providing commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company is headquartered in Millersburg, Pennsylvania.
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