Arch Capital Group Ltd. (ACGL)vsShore Bancshares Inc (SHBI)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
SHBI
Shore Bancshares Inc
$22.75
-0.31%
FINANCIAL SERVICES · Cap: $766.69M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7912% more annual revenue ($18.78B vs $234.38M). SHBI leads profitability with a 29.3% profit margin vs 23.3%. ACGL appears more attractively valued with a PEG of 1.06. SHBI earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
SHBI
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 43.6%
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
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, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : SHBI
The strongest argument for SHBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 43.6%. PEG of 1.17 suggests the stock is reasonably priced for its growth.
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 0.83 — expect wider price swings.
SHBI is growing revenue faster at 7.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
SHBI scores higher overall (72/100 vs 67/100), backed by strong 29.3% 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.
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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