American International Group Inc (AIG)vsFirst Bancorp (FBNC)
AIG
American International Group Inc
$77.61
-1.49%
FINANCIAL SERVICES · Cap: $41.66B
FBNC
First Bancorp
$64.72
+0.08%
FINANCIAL SERVICES · Cap: $2.60B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 6401% more annual revenue ($26.70B vs $410.72M). FBNC leads profitability with a 32.4% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.65. FBNC earns a higher WallStSmart Score of 73/100 (B).
AIG
Strong Buy69
out of 100
Grade: B-
FBNC
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 21.6% YoY
Generating 1.7B in free cash flow
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.2%
Conservative balance sheet, low leverage
Reasonable price relative to book value
15.9% revenue growth
Earnings expanding 31.1% YoY
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.65 suggests the stock is reasonably priced for its growth.
Bull Case : FBNC
The strongest argument for FBNC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 32.4% and operating margin at 51.2%. Revenue growth of 15.9% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while FBNC is a growth play — different risk/reward profiles.
FBNC carries more volatility with a beta of 0.82 — expect wider price swings.
FBNC is growing revenue faster at 15.9% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
FBNC scores higher overall (73/100 vs 69/100), backed by strong 32.4% margins and 15.9% 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.
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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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