Arch Capital Group Ltd. (ACGL)vsRed River Bancshares Inc (RRBI)
ACGL
Arch Capital Group Ltd.
$97.54
+3.40%
FINANCIAL SERVICES · Cap: $32.74B
RRBI
Red River Bancshares Inc
$91.75
+0.57%
FINANCIAL SERVICES · Cap: $584.72M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 15599% more annual revenue ($19.78B vs $125.98M). RRBI leads profitability with a 35.2% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.2x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
RRBI
Buy58
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
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 47.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
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, 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 : RRBI
The strongest argument for RRBI centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 35.2% and operating margin at 47.7%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : RRBI
The primary concerns for RRBI are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RRBI is a mature play — different risk/reward profiles.
RRBI carries more volatility with a beta of 0.42 — expect wider price swings.
RRBI is growing revenue faster at 9.4% — 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 58/100), 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.
Red River Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Red River Bancshares, Inc. is a banking holding company for Red River Bank that provides banking products and services to commercial and retail customers in Louisiana. The company is headquartered in Alexandria, Louisiana.
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