Arch Capital Group Ltd. (ACGL)vsOptimumBank Holdings, Inc. (OPHC)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
OPHC
OptimumBank Holdings, Inc.
$7.19
+1.99%
FINANCIAL SERVICES · Cap: $86.49M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 34662% more annual revenue ($19.78B vs $56.89M). OPHC leads profitability with a 36.0% profit margin vs 24.6%. OPHC appears more attractively valued with a PEG of 1.03. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
OPHC
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 52.5%
Revenue surging 56.0% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 3.4%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : OPHC
The strongest argument for OPHC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.0% and operating margin at 52.5%. Revenue growth of 56.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : OPHC
The primary concerns for OPHC are Market Cap, Piotroski F-Score, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a declining stock while OPHC is a growth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.29 — expect wider price swings.
OPHC is growing revenue faster at 56.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 71/100), backed by strong 24.6% margins. 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.
OptimumBank Holdings, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OptimumBank Holdings, Inc. is OptimumBank's banking holding company that provides various commercial and consumer banking services to individuals and businesses. The company is headquartered in Fort Lauderdale, Florida.
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