Arch Capital Group Ltd. (ACGL)vsNSTS Bancorp Inc (NSTS)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
NSTS
NSTS Bancorp Inc
$14.11
-0.07%
FINANCIAL SERVICES · Cap: $69.09M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 174498% more annual revenue ($19.23B vs $11.02M). ACGL leads profitability with a 24.4% profit margin vs -0.4%. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
NSTS
Hold39
out of 100
Grade: F
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
Reasonable price relative to book value
Revenue surging 30.2% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -0.1% — 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 : NSTS
The strongest argument for NSTS centers on Price/Book, Revenue Growth. Revenue growth of 30.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NSTS
The primary concerns for NSTS are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NSTS is a hypergrowth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.28 — expect wider price swings.
NSTS is growing revenue faster at 30.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 39/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Hold" 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.
NSTS Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NSTS Bancorp, Inc. is focused on operating as a savings and loan holding company for North Shore Trust and Savings which provides banking products and services in Illinois. The company is headquartered in Waukegan, Illinois.
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