Arch Capital Group Ltd. (ACGL)vsShore Bancshares Inc (SHBI)
ACGL
Arch Capital Group Ltd.
$99.09
-0.43%
FINANCIAL SERVICES · Cap: $34.28B
SHBI
Shore Bancshares Inc
$24.61
+0.24%
FINANCIAL SERVICES · Cap: $789.89M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8470% more annual revenue ($19.23B vs $224.40M). SHBI leads profitability with a 28.0% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. SHBI earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
SHBI
Strong Buy74
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Reasonable price relative to book value
Strong operational efficiency at 43.1%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 24.4% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on 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 : SHBI
The strongest argument for SHBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.0% and operating margin at 43.1%. Revenue growth of 14.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SHBI
The primary concerns for SHBI are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SHBI is a mature play — different risk/reward profiles.
SHBI carries more volatility with a beta of 0.81 — expect wider price swings.
SHBI is growing revenue faster at 14.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
SHBI scores higher overall (74/100 vs 67/100), backed by strong 28.0% margins and 14.8% 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.
Shore Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Shore Bancshares, Inc. is a bank holding company for Shore United Bank offering various commercial and consumer banking products and services to individuals, businesses and other organizations. The company is headquartered in Easton, Maryland.
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