WallStSmart

American International Group Inc (AIG)vsPrimis Financial Corp (FRST)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 12394% more annual revenue ($26.70B vs $213.71M). FRST leads profitability with a 24.8% profit margin vs 11.8%. FRST trades at a lower P/E of 7.5x. FRST earns a higher WallStSmart Score of 77/100 (B+).

AIG

Strong Buy

69

out of 100

Grade: B-

Growth: 4.7Profit: 5.5Value: 7.0Quality: 7.0
Piotroski: 4/9Altman Z: 0.67

FRST

Strong Buy

77

out of 100

Grade: B+

Growth: 10.0Profit: 7.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: -0.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG6 strengths · Avg: 8.5/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.658/10

Growing faster than its price suggests

P/E RatioValuation
13.9x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
21.6%8/10

Earnings expanding 21.6% YoY

Free Cash FlowQuality
$1.72B8/10

Generating 1.7B in free cash flow

FRST6 strengths · Avg: 9.5/10
P/E RatioValuation
7.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
44.2%10/10

Revenue surging 44.2% year-over-year

EPS GrowthGrowth
285.2%10/10

Earnings expanding 285.2% YoY

Profit MarginProfitability
24.8%9/10

Keeps 25 of every $100 in revenue as profit

Operating MarginProfitability
25.8%8/10

Strong operational efficiency at 25.8%

Areas to Watch

AIG3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.4%4/10

1.4% revenue growth

Return on EquityProfitability
3.1%3/10

ROE of 3.1% — below average capital efficiency

Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

FRST4 concerns · Avg: 2.5/10
Market CapQuality
$404.28M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.033/10

Elevated debt levels

Free Cash FlowQuality
$-5.91M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.372/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : FRST

The strongest argument for FRST centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 24.8% and operating margin at 25.8%. Revenue growth of 44.2% demonstrates continued momentum.

Bear Case : AIG

The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.

Bear Case : FRST

The primary concerns for FRST are Market Cap, Debt/Equity, Free Cash Flow.

Key Dynamics to Monitor

AIG profiles as a value stock while FRST is a growth play — different risk/reward profiles.

FRST carries more volatility with a beta of 0.72 — expect wider price swings.

FRST is growing revenue faster at 44.2% — sustainability is the question.

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

Bottom Line

FRST scores higher overall (77/100 vs 69/100), backed by strong 24.8% margins and 44.2% 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.

Primis Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Primis Financial Corp. The company is headquartered in McLean, Virginia.

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