WallStSmart

Arch Capital Group Ltd (ACGL)vsUnity Bancorp Inc (UNTY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 14953% more annual revenue ($19.93B vs $132.39M). UNTY leads profitability with a 45.8% profit margin vs 22.1%. UNTY appears more attractively valued with a PEG of 0.99. ACGL earns a higher WallStSmart Score of 81/100 (A-).

ACGL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

UNTY

Strong Buy

76

out of 100

Grade: B+

Growth: 8.7Profit: 8.0Value: 7.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

UNTY6 strengths · Avg: 9.3/10
P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
45.8%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
57.7%10/10

Strong operational efficiency at 57.7%

PEG RatioValuation
0.998/10

Growing faster than its price suggests

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

UNTY1 concerns · Avg: 3.0/10
Market CapQuality
$541.21M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : ACGL

The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 29.5%. 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 45.8% and operating margin at 57.7%. Revenue growth of 16.1% demonstrates continued momentum.

Bear Case : ACGL

No major red flags identified for ACGL, but monitor valuation.

Bear Case : UNTY

The primary concerns for UNTY are Market Cap.

Key Dynamics to Monitor

ACGL profiles as a mature stock while UNTY is a growth 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 16.1% — sustainability is the question.

ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.

Bottom Line

ACGL scores higher overall (81/100 vs 76/100), backed by strong 22.1% margins. Both earn "Exceptional 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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