Arch Capital Group Ltd. (ACGL)vsUnity Bancorp Inc (UNTY)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
UNTY
Unity Bancorp Inc
$57.73
-0.35%
FINANCIAL SERVICES · Cap: $583.24M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 14279% more annual revenue ($19.23B vs $133.75M). UNTY leads profitability with a 46.1% profit margin vs 24.4%. UNTY appears more attractively valued with a PEG of 0.99. UNTY earns a higher WallStSmart Score of 76/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
UNTY
Strong Buy76
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 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.1%
Growing faster than its price suggests
Earnings expanding 20.6% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : UNTY
The strongest argument for UNTY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 46.1% and operating margin at 57.1%. Revenue growth of 10.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : UNTY
The primary concerns for UNTY are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UNTY is a mature play — different risk/reward profiles.
UNTY carries more volatility with a beta of 0.65 — expect wider price swings.
UNTY is growing revenue faster at 10.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
UNTY scores higher overall (76/100 vs 67/100), backed by strong 46.1% margins and 10.3% 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.
Unity Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Unity Bancorp, Inc. is the holding company of Unity Bank providing commercial and retail banking products and services to individuals, small and medium-sized businesses and professional communities. The company is headquartered in Clinton, New Jersey.
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