Arch Capital Group Ltd (ACGL)vsSouthern First Bancshares Inc (SFST)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
SFST
Southern First Bancshares Inc
$55.85
-3.26%
FINANCIAL SERVICES · Cap: $532.51M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 16250% more annual revenue ($19.93B vs $121.89M). SFST leads profitability with a 28.7% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
SFST
Strong Buy71
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Strong operational efficiency at 41.2%
Earnings expanding 83.1% YoY
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.2% year-over-year
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : SFST
The strongest argument for SFST centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 28.7% and operating margin at 41.2%. Revenue growth of 26.2% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : SFST
The primary concerns for SFST are PEG Ratio, Market Cap, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a mature stock while SFST is a growth play — different risk/reward profiles.
SFST carries more volatility with a beta of 0.74 — expect wider price swings.
SFST is growing revenue faster at 26.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 71/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Southern First Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.
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