Arch Capital Group Ltd. (ACGL)vsVirginia National Bankshares Corp (VABK)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
VABK
Virginia National Bankshares Corp
$45.76
-0.39%
FINANCIAL SERVICES · Cap: $250.25M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 34008% more annual revenue ($19.78B vs $57.98M). VABK leads profitability with a 34.5% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
VABK
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 47.2%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
3.6% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : VABK
The strongest argument for VABK centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.5% and operating margin at 47.2%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : VABK
The primary concerns for VABK are Revenue Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while VABK is a value play — different risk/reward profiles.
VABK carries more volatility with a beta of 0.46 — expect wider price swings.
VABK is growing revenue faster at 3.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 56/100), backed by strong 24.6% 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.
Virginia National Bankshares Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Virginia National Bankshares Corporation is the holding company of Virginia National Bank providing a range of commercial banking services. The company is headquartered in Charlottesville, Virginia.
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