Arch Capital Group Ltd. (ACGL)vsNortheast Bancorp (NBN)
ACGL
Arch Capital Group Ltd.
$98.84
+0.08%
FINANCIAL SERVICES · Cap: $34.35B
NBN
Northeast Bancorp
$129.23
-0.75%
FINANCIAL SERVICES · Cap: $1.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8252% more annual revenue ($19.23B vs $230.26M). NBN leads profitability with a 42.7% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. NBN earns a higher WallStSmart Score of 71/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
NBN
Strong Buy71
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
Attractively priced relative to earnings
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 65.2%
Reasonable price relative to book value
Earnings expanding 35.0% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
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 : NBN
The strongest argument for NBN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 42.7% and operating margin at 65.2%. Revenue growth of 11.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NBN
The primary concerns for NBN are Market Cap, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NBN is a mature play — different risk/reward profiles.
NBN carries more volatility with a beta of 0.59 — expect wider price swings.
NBN is growing revenue faster at 11.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
NBN scores higher overall (71/100 vs 67/100), backed by strong 42.7% margins and 11.3% 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.
Northeast Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northeast Bank offers personal and business banking services in Maine, United States. The company is headquartered in Portland, Maine.
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