Arch Capital Group Ltd. (ACGL)vsSR Bancorp, Inc. Common stock (SRBK)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
SRBK
SR Bancorp, Inc. Common stock
$18.72
+1.03%
FINANCIAL SERVICES · Cap: $139.92M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 61338% more annual revenue ($19.78B vs $32.19M). ACGL leads profitability with a 24.6% profit margin vs 14.4%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
SRBK
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 100.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 2.5% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. 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, EPS Growth, Debt/Equity.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
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 declining stock while SRBK is a value play — different risk/reward profiles.
SRBK carries more volatility with a beta of 0.65 — expect wider price swings.
SRBK is growing revenue faster at 7.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 51/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "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.
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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