Arch Capital Group Ltd. (ACGL)vsRichmond Mutual Bancorporation Inc (RMBI)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
RMBI
Richmond Mutual Bancorporation Inc
$14.53
+1.47%
FINANCIAL SERVICES · Cap: $146.40M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 41001% more annual revenue ($19.78B vs $48.12M). RMBI leads profitability with a 25.8% profit margin vs 24.6%. 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+
RMBI
Buy64
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
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.2%
Keeps 26 of every $100 in revenue as profit
Earnings expanding 40.0% YoY
Generating 2.8B in free cash flow
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Distress zone — elevated risk
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 : RMBI
The strongest argument for RMBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.8% and operating margin at 30.2%. Revenue growth of 12.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : RMBI
The primary concerns for RMBI are Market Cap, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RMBI is a mature play — different risk/reward profiles.
RMBI carries more volatility with a beta of 0.32 — expect wider price swings.
RMBI is growing revenue faster at 12.7% — sustainability is the question.
RMBI generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 64/100), 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.
Richmond Mutual Bancorporation Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Richmond Mutual Bancorporation, Inc. is a holding company of First Bank Richmond providing various banking services. The company is headquartered in Richmond, Indiana.
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