Arch Capital Group Ltd. (ACGL)vsUnited Security Bancshares (UBFO)
ACGL
Arch Capital Group Ltd.
$96.85
-0.32%
FINANCIAL SERVICES · Cap: $31.94B
UBFO
United Security Bancshares
$10.51
0.00%
FINANCIAL SERVICES · Cap: $185.03M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 39732% more annual revenue ($19.23B vs $48.28M). UBFO leads profitability with a 25.5% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.4x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
UBFO
Buy63
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
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
Reasonable price relative to book value
Strong operational efficiency at 39.2%
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
15.8% revenue growth
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
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 : UBFO
The strongest argument for UBFO centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 25.5% and operating margin at 39.2%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : UBFO
The primary concerns for UBFO are Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UBFO is a growth play — different risk/reward profiles.
UBFO carries more volatility with a beta of 0.29 — expect wider price swings.
UBFO is growing revenue faster at 15.8% — 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 63/100), backed by strong 24.4% 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.
United Security Bancshares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Security Bancshares is the banking holding company for United Security Bank, a state-licensed bank that provides a variety of commercial banking services to the business and professional community and individuals in California. The company is headquartered in Fresno, California.
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