Arch Capital Group Ltd. (ACGL)vsOak Valley Bancorp (OVLY)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
OVLY
Oak Valley Bancorp
$33.78
-1.66%
FINANCIAL SERVICES · Cap: $289.00M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 23709% more annual revenue ($19.78B vs $83.07M). OVLY leads profitability with a 28.2% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
OVLY
Buy51
out of 100
Grade: C-
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
Strong operational efficiency at 31.2%
Keeps 28 of every $100 in revenue as profit
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
3.7% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 9.0%
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 : OVLY
The strongest argument for OVLY centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.2% and operating margin at 31.2%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : OVLY
The primary concerns for OVLY are Revenue Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while OVLY is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.29 — expect wider price swings.
OVLY is growing revenue faster at 3.7% — 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 51/100), backed by strong 24.6% 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.
Oak Valley Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Oak Valley Bancorp is the banking holding company for Oak Valley Community Bank providing a range of commercial banking services to individuals and small and medium-sized businesses in Oakdale, California and surrounding areas. The company is headquartered in Oakdale, California.
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