WallStSmart

Arch Capital Group Ltd (ACGL)vsSouthern Missouri Bancorp Inc (SMBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 10630% more annual revenue ($19.93B vs $185.73M). SMBC leads profitability with a 36.3% 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 Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

SMBC

Strong Buy

68

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 6.3Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

SMBC4 strengths · Avg: 9.5/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.3%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
48.3%10/10

Strong operational efficiency at 48.3%

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

SMBC1 concerns · Avg: 3.0/10
Market CapQuality
$768.52M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull 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 : SMBC

The strongest argument for SMBC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.3% and operating margin at 48.3%. PEG of 1.07 suggests the stock is reasonably priced for its growth.

Bear Case : ACGL

No major red flags identified for ACGL, but monitor valuation.

Bear Case : SMBC

The primary concerns for SMBC are Market Cap.

Key Dynamics to Monitor

SMBC carries more volatility with a beta of 0.91 — expect wider price swings.

ACGL is growing revenue faster at 8.5% — sustainability is the question.

ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ACGL scores higher overall (81/100 vs 68/100), 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 Missouri Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Southern Missouri Bancorp, Inc. is the banking holding company for Southern Bank providing banking and financial services to individual and corporate clients in the United States. The company is headquartered in Poplar Bluff, Missouri.

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