Arch Capital Group Ltd. (ACGL)vsSmartFinancial, Inc. (SMBK)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
SMBK
SmartFinancial, Inc.
$52.24
+1.34%
FINANCIAL SERVICES · Cap: $886.90M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 9319% more annual revenue ($19.23B vs $204.19M). SMBK leads profitability with a 28.1% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
SMBK
Strong Buy66
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 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Strong operational efficiency at 41.7%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
16.4% revenue growth
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, Profit Margin. 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 : SMBK
The strongest argument for SMBK centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.1% and operating margin at 41.7%. Revenue growth of 16.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SMBK
The primary concerns for SMBK are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SMBK is a growth play — different risk/reward profiles.
SMBK carries more volatility with a beta of 0.68 — expect wider price swings.
SMBK is growing revenue faster at 16.4% — 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.
SmartFinancial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SmartFinancial, Inc. is SmartBank's banking holding company that provides various financial services to individual and corporate clients. The company is headquartered in Knoxville, Tennessee.
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