Arch Capital Group Ltd. (ACGL)vsServisFirst Bancshares Inc (SFBS)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
SFBS
ServisFirst Bancshares Inc
$42.13
-0.50%
FINANCIAL SERVICES · Cap: $4.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3186% more annual revenue ($19.23B vs $585.22M). SFBS leads profitability with a 54.8% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. 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
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
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 70.0%
Revenue surging 30.1% year-over-year
Attractively priced relative to earnings
Earnings expanding 40.1% 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, 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 : SFBS
The strongest argument for SFBS centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 54.8% and operating margin at 70.0%. Revenue growth of 30.1% 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 0.85 — expect wider price swings.
SFBS is growing revenue faster at 30.1% — 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 54.8% margins and 30.1% 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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