Arch Capital Group Ltd (ACGL)vsOrange County Bancorp Inc (OBT)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
OBT
Orange County Bancorp Inc
$34.10
+0.18%
FINANCIAL SERVICES · Cap: $474.50M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 16583% more annual revenue ($19.93B vs $119.46M). OBT leads profitability with a 34.8% profit margin vs 22.1%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
OBT
Strong Buy70
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 47.3% YoY
Areas to Watch
No major concerns identified
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : OBT
The strongest argument for OBT centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.8% and operating margin at 44.7%. Revenue growth of 14.7% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : OBT
The primary concerns for OBT are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
OBT carries more volatility with a beta of 0.43 — expect wider price swings.
OBT is growing revenue faster at 14.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 70/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Orange County Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Orange County Bancorp Inc. (OBT) is a community-oriented financial institution headquartered in Orange County, New York, focused on delivering a diverse suite of banking and financial services tailored to both individual and business clients. With a commitment to fostering community relationships and providing personalized banking solutions, OBT offers a range of products, including personal and commercial loans, deposit accounts, and wealth management services. As a publicly traded company, OBT emphasizes sustainable growth and profitability, positioning itself as a key contributor to regional economic development. Its strategic focus, coupled with a sound risk management approach, makes OBT an attractive investment opportunity for institutional investors seeking exposure within the dynamic regional banking sector.
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