Arch Capital Group Ltd (ACGL)vsSR Bancorp, Inc. Common stock (SRBK)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
SRBK
SR Bancorp, Inc. Common stock
$19.19
0.00%
FINANCIAL SERVICES · Cap: $143.66M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 62672% more annual revenue ($19.93B vs $31.75M). ACGL leads profitability with a 22.1% profit margin vs 13.5%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
SRBK
Hold39
out of 100
Grade: F
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
Areas to Watch
No major concerns identified
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 2.2% — below average capital efficiency
Earnings declined 7.5%
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 : SRBK
The strongest argument for SRBK centers on Price/Book.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : SRBK
The primary concerns for SRBK are P/E Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a mature stock while SRBK is a value play — different risk/reward profiles.
SRBK carries more volatility with a beta of 0.49 — 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.
Bottom Line
ACGL scores higher overall (81/100 vs 39/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Hold" 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.
SR Bancorp, Inc. Common stock
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SR Bancorp, Inc., through its subsidiary, Somerset Savings Bank, SLA, provides commercial banking services. The company is headquartered in Bound Brook, New Jersey.
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