Arch Capital Group Ltd. (ACGL)vsServisFirst Bancshares Inc (SFBS)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
SFBS
ServisFirst Bancshares Inc
$39.86
-2.02%
FINANCIAL SERVICES · Cap: $4.36B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3022% more annual revenue ($19.23B vs $616.08M). SFBS leads profitability with a 55.6% profit margin vs 24.4%. ACGL trades at a lower P/E of 8.2x. SFBS earns a higher WallStSmart Score of 70/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
SFBS
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Keeps 56 of every $100 in revenue as profit
Strong operational efficiency at 68.8%
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 24.3% year-over-year
Earnings expanding 33.3% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : SFBS
The strongest argument for SFBS centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 55.6% and operating margin at 68.8%. Revenue growth of 24.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SFBS
The primary concerns for SFBS are Altman Z-Score.
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 0.91 — expect wider price swings.
SFBS is growing revenue faster at 24.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
SFBS scores higher overall (70/100 vs 67/100), backed by strong 55.6% margins and 24.3% 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.
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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