Arch Capital Group Ltd (ACGL)vsPeoples Bancorp of North Carolina (PEBK)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
PEBK
Peoples Bancorp of North Carolina
$39.42
+0.90%
FINANCIAL SERVICES · Cap: $211.07M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 22076% more annual revenue ($19.93B vs $89.87M). PEBK leads profitability with a 22.1% profit margin vs 22.1%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
PEBK
Buy51
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Strong operational efficiency at 26.9%
Areas to Watch
No major concerns identified
4.0% revenue growth
1.3% earnings growth
Smaller company, higher risk/reward
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 22.1% and operating margin at 29.5%. 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, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 26.9%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : PEBK
The primary concerns for PEBK are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a mature stock while PEBK is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.38 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 51/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?