Arch Capital Group Ltd. (ACGL)vsPeoples Bancorp of North Carolina (PEBK)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
PEBK
Peoples Bancorp of North Carolina
$43.95
+0.50%
FINANCIAL SERVICES · Cap: $231.37M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 20897% more annual revenue ($19.23B vs $91.60M). ACGL leads profitability with a 24.4% profit margin vs 24.0%. ACGL trades at a lower P/E of 8.2x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
PEBK
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.7%
Earnings expanding 56.7% YoY
Keeps 24 of every $100 in revenue as profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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, Profit Margin, Debt/Equity. 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 : PEBK
The strongest argument for PEBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.0% and operating margin at 32.7%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : PEBK
The primary concerns for PEBK are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PEBK is a mature play — different risk/reward profiles.
PEBK carries more volatility with a beta of 0.31 — expect wider price swings.
PEBK is growing revenue faster at 6.5% — 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 63/100), 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.
Peoples Bancorp of North Carolina
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina.
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