Arch Capital Group Ltd. (ACGL)vsNorthwest Bancshares Inc (NWBI)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
NWBI
Northwest Bancshares Inc
$15.22
-0.33%
FINANCIAL SERVICES · Cap: $2.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2674% more annual revenue ($19.23B vs $693.21M). NWBI leads profitability with a 28.9% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. NWBI earns a higher WallStSmart Score of 77/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
NWBI
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.1%
Earnings expanding 1600.0% YoY
Keeps 29 of every $100 in revenue as profit
Revenue surging 28.3% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 7.0% — 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, Profit Margin, Debt/Equity. 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 : NWBI
The strongest argument for NWBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 41.1%. Revenue growth of 28.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NWBI
The primary concerns for NWBI are PEG Ratio, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NWBI is a growth play — different risk/reward profiles.
NWBI carries more volatility with a beta of 0.69 — expect wider price swings.
NWBI is growing revenue faster at 28.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
NWBI scores higher overall (77/100 vs 67/100), backed by strong 28.9% margins and 28.3% 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.
Northwest Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.
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