Arch Capital Group Ltd (ACGL)vsSB Financial Group Inc (SBFG)
ACGL
Arch Capital Group Ltd
$96.74
+1.31%
FINANCIAL SERVICES · Cap: $34.02B
SBFG
SB Financial Group Inc
$20.48
-1.35%
FINANCIAL SERVICES · Cap: $132.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 30777% more annual revenue ($19.93B vs $64.54M). ACGL leads profitability with a 22.1% profit margin vs 21.6%. ACGL trades at a lower P/E of 8.2x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
SBFG
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.8%
Fair Value
$542.88
Current Price
$96.74
$446.14 discount
Margin of Safety
+65.9%
Fair Value
$61.85
Current Price
$20.48
$41.37 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.4%
Keeps 22 of every $100 in revenue as profit
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.6% and operating margin at 31.4%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap.
Key Dynamics to Monitor
ACGL carries more volatility with a beta of 0.36 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 63/100), backed by strong 22.1% margins. SBFG offers better value entry with a 65.9% margin of safety. Both earn "Exceptional 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.
SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
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