Arch Capital Group Ltd. (ACGL)vsRBB Bancorp (RBB)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
RBB
RBB Bancorp
$26.36
-0.75%
FINANCIAL SERVICES · Cap: $472.51M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 15492% more annual revenue ($19.78B vs $126.84M). RBB leads profitability with a 32.3% 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+
RBB
Strong Buy73
out of 100
Grade: B
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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 47.0%
Revenue surging 61.0% year-over-year
Earnings expanding 410.9% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
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 : RBB
The strongest argument for RBB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 47.0%. Revenue growth of 61.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : RBB
The primary concerns for RBB are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RBB is a growth play — different risk/reward profiles.
RBB carries more volatility with a beta of 1.02 — expect wider price swings.
RBB is growing revenue faster at 61.0% — 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 73/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Strong 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.
RBB Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
RBB Bancorp is the banking holding company of Royal Business Bank offering various banking products and services to the Sino-American, Korean-American and other Asian-American communities. The company is headquartered in Los Angeles, California.
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