Arch Capital Group Ltd. (ACGL)vsSeacoast Banking Corporation of Florida (SBCF)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
SBCF
Seacoast Banking Corporation of Florida
$33.98
+0.35%
FINANCIAL SERVICES · Cap: $3.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2719% more annual revenue ($19.23B vs $682.18M). ACGL leads profitability with a 24.4% profit margin vs 23.8%. ACGL appears more attractively valued with a PEG of 1.06. SBCF earns a higher WallStSmart Score of 71/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
SBCF
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 48.8%
Revenue surging 38.3% year-over-year
Keeps 24 of every $100 in revenue as profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 5.5% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : SBCF
The strongest argument for SBCF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.8% and operating margin at 48.8%. Revenue growth of 38.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SBCF
The primary concerns for SBCF are PEG Ratio, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SBCF is a growth play — different risk/reward profiles.
SBCF carries more volatility with a beta of 0.86 — expect wider price swings.
SBCF is growing revenue faster at 38.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
SBCF scores higher overall (71/100 vs 67/100), backed by strong 23.8% margins and 38.3% revenue growth. 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.
Seacoast Banking Corporation of Florida
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Seacoast Banking Corporation of Florida is the banking holding company of Seacoast National Bank providing financial services to retail and business clients in Florida. The company is headquartered in Stuart, Florida.
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