Arch Capital Group Ltd. (ACGL)vsUnited Community Banks, Inc. (UCB)
ACGL
Arch Capital Group Ltd.
$107.28
-2.98%
FINANCIAL SERVICES · Cap: $34.24B
UCB
United Community Banks, Inc.
$36.99
+0.08%
FINANCIAL SERVICES · Cap: $4.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2253% more annual revenue ($19.23B vs $817.49M). ACGL leads profitability with a 24.4% profit margin vs 17.9%. ACGL appears more attractively valued with a PEG of 1.06. UCB earns a higher WallStSmart Score of 71/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
UCB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.7B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 771.0%
Earnings expanding 50.8% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 24.4% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : UCB
The strongest argument for UCB centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 17.9% and operating margin at 771.0%. Revenue growth of 24.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : UCB
The primary concerns for UCB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UCB is a growth play — different risk/reward profiles.
UCB carries more volatility with a beta of 0.90 — expect wider price swings.
UCB is growing revenue faster at 24.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
UCB scores higher overall (71/100 vs 67/100), backed by strong 17.9% margins and 24.4% 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.
United Community Banks, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Community Banks, Inc. (UCB), headquartered in Blairsville, Georgia, operates as a leading regional bank providing a comprehensive suite of financial services, including commercial and retail banking, mortgage lending, and wealth management, with a strong presence in the Southeastern U.S. The bank's strategic emphasis on community engagement and prudent growth through targeted acquisitions positions it well for sustained profitability and expansion. UCB maintains robust risk management protocols and a steadfast commitment to customer service, reinforcing its reputation as a trusted financial partner for both individuals and businesses. With a focus on innovation aligned with core values, UCB is poised to navigate the evolving financial landscape effectively.
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