WallStSmart

Arch Capital Group Ltd. (ACGL)vsOP Bancorp (OPBK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 19700% more annual revenue ($19.23B vs $97.13M). OPBK leads profitability with a 29.8% profit margin vs 24.4%. OPBK appears more attractively valued with a PEG of 0.97. OPBK earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

OPBK

Strong Buy

79

out of 100

Grade: B+

Growth: 8.0Profit: 7.5Value: 7.7Quality: 6.5
Piotroski: 4/9Altman Z: 0.25

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

OPBK6 strengths · Avg: 9.2/10
P/E RatioValuation
7.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
47.3%10/10

Strong operational efficiency at 47.3%

Profit MarginProfitability
29.8%9/10

Keeps 30 of every $100 in revenue as profit

PEG RatioValuation
0.978/10

Growing faster than its price suggests

Revenue GrowthGrowth
15.1%8/10

15.1% revenue growth

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

OPBK3 concerns · Avg: 2.3/10
Market CapQuality
$226.53M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-7.44M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.252/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : OPBK

The strongest argument for OPBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.8% and operating margin at 47.3%. Revenue growth of 15.1% demonstrates continued momentum.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : OPBK

The primary concerns for OPBK are Market Cap, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

ACGL profiles as a declining stock while OPBK is a growth play — different risk/reward profiles.

OPBK carries more volatility with a beta of 0.59 — expect wider price swings.

OPBK is growing revenue faster at 15.1% — sustainability is the question.

ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

OPBK scores higher overall (79/100 vs 67/100), backed by strong 29.8% margins and 15.1% 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.

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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