Arch Capital Group Ltd (ACGL)vsOP Bancorp (OPBK)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
OPBK
OP Bancorp
$14.34
-0.62%
FINANCIAL SERVICES · Cap: $213.43M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 21159% more annual revenue ($19.93B vs $93.75M). OPBK leads profitability with a 29.1% profit margin vs 22.1%. OPBK appears more attractively valued with a PEG of 0.97. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
OPBK
Strong Buy79
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
Reasonable price relative to book value
Strong operational efficiency at 45.8%
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Earnings expanding 30.0% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : OPBK
The strongest argument for OPBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.1% and operating margin at 45.8%. Revenue growth of 12.3% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : OPBK
The primary concerns for OPBK are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
OPBK carries more volatility with a beta of 0.61 — expect wider price swings.
OPBK is growing revenue faster at 12.3% — 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 79/100), 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.
OP Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OP Bancorp is Open Bank's banking holding company offering banking products and services in California. The company is headquartered in Los Angeles, California.
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