Arch Capital Group Ltd. (ACGL)vsNortheast Community Bancorp Inc (NECB)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
NECB
Northeast Community Bancorp Inc
$25.00
+1.83%
FINANCIAL SERVICES · Cap: $345.85M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 18808% more annual revenue ($19.78B vs $104.59M). NECB leads profitability with a 41.9% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
NECB
Buy55
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 56.4%
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 1.3%
Earnings declined 5.1%
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 : NECB
The strongest argument for NECB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 41.9% and operating margin at 56.4%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : NECB
The primary concerns for NECB are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
NECB carries more volatility with a beta of 0.36 — expect wider price swings.
NECB is growing revenue faster at -1.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 55/100), 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.
Northeast Community Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northeast Community Bancorp, Inc. is the holding company of Northeast Community Bank that provides a variety of financial services to consumers and businesses.
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