Arch Capital Group Ltd. (ACGL)vsNorthrim BanCorp Inc (NRIM)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
NRIM
Northrim BanCorp Inc
$26.16
+0.42%
FINANCIAL SERVICES · Cap: $588.37M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8815% more annual revenue ($19.23B vs $215.73M). NRIM leads profitability with a 31.8% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. NRIM earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
NRIM
Strong Buy72
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 32 of every $100 in revenue as profit
Strong operational efficiency at 39.7%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 30.8% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : NRIM
The strongest argument for NRIM centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.8% and operating margin at 39.7%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NRIM
The primary concerns for NRIM are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NRIM is a mature play — different risk/reward profiles.
NRIM carries more volatility with a beta of 0.89 — expect wider price swings.
NRIM is growing revenue faster at 8.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
NRIM scores higher overall (72/100 vs 67/100), backed by strong 31.8% margins. 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.
Northrim BanCorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northrim BanCorp, Inc. is the banking holding company for Northrim Bank offering commercial banking products and services to businesses and professionals. The company is headquartered in Anchorage, Alaska.
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