ACGL vs UMBF
Arch Capital Group vs UMB Financial Corp. — AI-powered side-by-side comparison
ACGL
Arch Capital Group
65
Buy
VS
UMBF
UMB Financial Corp.
68
Buy
| Metric | ACGL | UMBF |
|---|
| AI Score |
65
|
68
|
| Price |
$100.60
|
$143.49
|
| P/E Ratio |
7.80×
|
11.92×
|
| ROE |
18.2%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
46.2%
|
58.5%
|
| Debt / Equity |
0.18×
|
0.44×
|
| Dividend Yield |
0.0%
|
1.2%
|
| RSI (14) |
65.8
|
33.4
|
| Beta |
0.288
|
0.788
|
| Expected Upside |
+2.2%
|
—
|
AI Committee View
Current Innellis committee reasoning for ACGL versus UMBF.
UMBF leads by 3 points.
UMBF scores 68/100 (Buy) versus ACGL at 65/100 (Buy).
ACGL Committee View
75% agreement
4 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
UMBF Committee View
100% agreement
5 analysts
The primary driver is p/e of 12.1 is inexpensive for the broad market. The main limiting factor is sector concentration is already high (hhi 3063.01). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 12.1 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Revenue growing 72.2% YoY -- genuine top-line momentum — Growth
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical