Arch Capital Group Ltd. (ACGL)vsPatriot National Bancorp Inc (PNBK)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
PNBK
Patriot National Bancorp Inc
$1.05
-0.94%
FINANCIAL SERVICES · Cap: $135.24M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 60425% more annual revenue ($19.78B vs $32.68M). ACGL leads profitability with a 24.6% profit margin vs -35.8%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
PNBK
Avoid33
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
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
Revenue surging 76.6% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Premium valuation, high expectations priced in
ROE of -13.0% — below average capital efficiency
Earnings declined 48.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. 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 : PNBK
The strongest argument for PNBK centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 76.6% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : PNBK
The primary concerns for PNBK are Market Cap, P/E Ratio, Return on Equity. A P/E of 57.5x leaves little room for execution misses.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PNBK is a hypergrowth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.31 — expect wider price swings.
PNBK is growing revenue faster at 76.6% — 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 33/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Avoid" 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.
Patriot National Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Patriot National Bancorp, Inc. is the parent company of Patriot Bank, NA providing community banking services to individuals, small and medium-sized businesses, and professionals.
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