Arch Capital Group Ltd. (ACGL)vsThird Coast Bancshares, Inc. (TCBX)
ACGL
Arch Capital Group Ltd.
$96.89
+0.20%
FINANCIAL SERVICES · Cap: $33.47B
TCBX
Third Coast Bancshares, Inc.
$44.37
-0.07%
FINANCIAL SERVICES · Cap: $738.28M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8300% more annual revenue ($19.23B vs $228.96M). TCBX leads profitability with a 32.5% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. TCBX earns a higher WallStSmart Score of 68/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
TCBX
Strong Buy68
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 42.7%
Revenue surging 32.1% year-over-year
Conservative balance sheet, low leverage
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 : TCBX
The strongest argument for TCBX centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.5% and operating margin at 42.7%. Revenue growth of 32.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : TCBX
The primary concerns for TCBX are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while TCBX is a growth play — different risk/reward profiles.
TCBX carries more volatility with a beta of 0.64 — expect wider price swings.
TCBX is growing revenue faster at 32.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
TCBX scores higher overall (68/100 vs 67/100), backed by strong 32.5% margins and 32.1% revenue growth. 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.
Third Coast Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Third Coast Bancshares, Inc. is a banking holding company of Third Coast Bank, SSB that offers various commercial banking solutions to small and medium-sized businesses and professionals. The company is headquartered in Humble, Texas.
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