Arch Capital Group Ltd. (ACGL)vsOrrstown Financial Services Inc (ORRF)
ACGL
Arch Capital Group Ltd.
$93.60
-0.70%
FINANCIAL SERVICES · Cap: $33.06B
ORRF
Orrstown Financial Services Inc
$41.67
+1.56%
FINANCIAL SERVICES · Cap: $803.90M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7431% more annual revenue ($19.23B vs $255.38M). ORRF leads profitability with a 33.8% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.6x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
ORRF
Buy58
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 44.1%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
0.0% revenue growth
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : ORRF
The strongest argument for ORRF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.8% and operating margin at 44.1%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : ORRF
The primary concerns for ORRF are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while ORRF is a value play — different risk/reward profiles.
ORRF carries more volatility with a beta of 0.67 — expect wider price swings.
ORRF is growing revenue faster at 0.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 58/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "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.
Orrstown Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Orrstown Financial Services, Inc. is the holding company of Orrstown Bank providing trust and commercial banking services in the United States. The company is headquartered in Shippensburg, Pennsylvania.
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