WallStSmart

American International Group Inc (AIG)vsCoastal Financial Corp (CCB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 7286% more annual revenue ($26.74B vs $362.02M). AIG leads profitability with a 11.1% profit margin vs -1.1%. AIG earns a higher WallStSmart Score of 64/100 (C+).

AIG

Buy

64

out of 100

Grade: C+

Growth: 2.7Profit: 5.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 0.67

CCB

Hold

37

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 5.0Quality: 7.0
Piotroski: 3/9Altman Z: 1.25

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG5 strengths · Avg: 8.6/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.628/10

Growing faster than its price suggests

P/E RatioValuation
13.9x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.72B8/10

Generating 1.7B in free cash flow

CCB3 strengths · Avg: 8.3/10
Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
23.8%8/10

Earnings expanding 23.8% YoY

Areas to Watch

AIG4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Return on EquityProfitability
7.3%3/10

ROE of 7.3% — below average capital efficiency

EPS GrowthGrowth
-10.1%2/10

Earnings declined 10.1%

Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

CCB4 concerns · Avg: 2.5/10
Market CapQuality
$802.07M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-0.8%2/10

ROE of -0.8% — below average capital efficiency

Revenue GrowthGrowth
-1.5%2/10

Revenue declined 1.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : AIG

The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.62 suggests the stock is reasonably priced for its growth.

Bull Case : CCB

The strongest argument for CCB centers on Debt/Equity, Price/Book, EPS Growth.

Bear Case : AIG

The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.

Bear Case : CCB

The primary concerns for CCB are Market Cap, Piotroski F-Score, Return on Equity.

Key Dynamics to Monitor

AIG profiles as a value stock while CCB is a turnaround play — different risk/reward profiles.

CCB carries more volatility with a beta of 0.77 — expect wider price swings.

AIG is growing revenue faster at 0.5% — sustainability is the question.

AIG generates stronger free cash flow (1.7B), providing more financial flexibility.

Bottom Line

AIG scores higher overall (64/100 vs 37/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

American International Group Inc

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

American International Group, Inc., also known as AIG, is an American multinational finance and insurance corporation with operations in more than 80 countries and jurisdictions. The company operates through three core businesses: General Insurance, Life & Retirement, and a standalone technology-enabled subsidiary.

Coastal Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Coastal Financial Corporation is the banking holding company for Coastal Community Bank offering various banking products and services to small and medium-sized businesses, professionals and individuals in the Puget Sound region of Washington. The company is headquartered in Everett, Washington.

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