Arch Capital Group Ltd. (ACGL)vsMidland States Bancorp, Inc. (MSBI)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
MSBI
Midland States Bancorp, Inc.
$33.45
+0.42%
FINANCIAL SERVICES · Cap: $695.82M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6621% more annual revenue ($19.23B vs $286.15M). ACGL leads profitability with a 24.4% profit margin vs 15.0%. ACGL appears more attractively valued with a PEG of 1.06. MSBI earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
MSBI
Strong Buy74
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
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
Strong operational efficiency at 35.6%
Earnings expanding 86.0% YoY
Reasonable price relative to book value
18.0% revenue growth
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.5% — 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 : MSBI
The strongest argument for MSBI centers on Operating Margin, EPS Growth, Price/Book. Revenue growth of 18.0% demonstrates continued momentum. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while MSBI is a growth play — different risk/reward profiles.
MSBI carries more volatility with a beta of 0.64 — expect wider price swings.
MSBI is growing revenue faster at 18.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
MSBI scores higher overall (74/100 vs 67/100) and 18.0% revenue growth. 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.
Midland States Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
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