Arch Capital Group Ltd. (ACGL)vsSimmons First National Corporation (SFNC)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
SFNC
Simmons First National Corporation
$23.37
+1.30%
FINANCIAL SERVICES · Cap: $3.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1966% more annual revenue ($19.23B vs $930.76M). SFNC leads profitability with a 28.0% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
SFNC
Strong Buy66
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
Reasonable price relative to book value
Keeps 28 of every $100 in revenue as profit
Strong operational efficiency at 25.8%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Weak financial health signals
Expensive relative to growth rate
ROE of -10.5% — below average capital efficiency
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 : SFNC
The strongest argument for SFNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 28.0% and operating margin at 25.8%. Revenue growth of 14.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SFNC
The primary concerns for SFNC are Piotroski F-Score, PEG Ratio, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SFNC is a mature play — different risk/reward profiles.
SFNC carries more volatility with a beta of 0.94 — expect wider price swings.
SFNC is growing revenue faster at 14.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 66/100), backed by strong 24.4% 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.
Simmons First National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Simmons First National Corporation is the holding company of Simmons Bank providing banking and financial products and services to individuals and businesses. The company is headquartered in Pine Bluff, Arkansas.
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