Arch Capital Group Ltd. (ACGL)vsServisFirst Bancshares Inc (SFBS)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
SFBS
ServisFirst Bancshares Inc
$78.15
+0.19%
FINANCIAL SERVICES · Cap: $4.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3503% more annual revenue ($19.78B vs $548.91M). SFBS leads profitability with a 54.0% 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+
SFBS
Strong Buy66
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
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 54 of every $100 in revenue as profit
Strong operational efficiency at 69.9%
Attractively priced relative to earnings
Reasonable price relative to book value
18.5% revenue growth
Earnings expanding 31.1% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
No major concerns identified
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 : SFBS
The strongest argument for SFBS centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 54.0% and operating margin at 69.9%. Revenue growth of 18.5% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : SFBS
No major red flags identified for SFBS, but monitor valuation.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SFBS is a growth play — different risk/reward profiles.
SFBS carries more volatility with a beta of 0.89 — expect wider price swings.
SFBS is growing revenue faster at 18.5% — 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 66/100), 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.
ServisFirst Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ServisFirst Bancshares, Inc. is the banking holding company for ServisFirst Bank providing various banking services to individual and corporate clients. The company is headquartered in Birmingham, Alabama.
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