WallStSmart

American International Group Inc (AIG)vsGlacier Bancorp Inc (GBCI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 2462% more annual revenue ($26.61B vs $1.04B). GBCI leads profitability with a 25.7% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. GBCI earns a higher WallStSmart Score of 77/100 (B+).

AIG

Buy

60

out of 100

Grade: C

Growth: 2.0Profit: 5.0Value: 7.0Quality: 7.0
Piotroski: 5/9Altman Z: 0.88

GBCI

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 5.0Quality: 6.3
Piotroski: 4/9Altman Z: 1.16

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG4 strengths · Avg: 8.8/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
13.7x8/10

Attractively priced relative to earnings

GBCI5 strengths · Avg: 9.4/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.0%10/10

Strong operational efficiency at 41.0%

Revenue GrowthGrowth
41.4%10/10

Revenue surging 41.4% year-over-year

Profit MarginProfitability
25.7%9/10

Keeps 26 of every $100 in revenue as profit

EPS GrowthGrowth
31.1%8/10

Earnings expanding 31.1% YoY

Areas to Watch

AIG4 concerns · Avg: 2.3/10
Return on EquityProfitability
7.4%3/10

ROE of 7.4% — below average capital efficiency

Revenue GrowthGrowth
-7.2%2/10

Revenue declined 7.2%

EPS GrowthGrowth
-5.6%2/10

Earnings declined 5.6%

Altman Z-ScoreHealth
0.882/10

Distress zone — elevated risk

GBCI3 concerns · Avg: 3.0/10
PEG RatioValuation
1.754/10

Expensive relative to growth rate

Return on EquityProfitability
7.1%3/10

ROE of 7.1% — below average capital efficiency

Altman Z-ScoreHealth
1.162/10

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 0.86 suggests the stock is reasonably priced for its growth.

Bull Case : GBCI

The strongest argument for GBCI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.7% and operating margin at 41.0%. Revenue growth of 41.4% demonstrates continued momentum.

Bear Case : AIG

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

Bear Case : GBCI

The primary concerns for GBCI are PEG Ratio, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

AIG profiles as a declining stock while GBCI is a growth play — different risk/reward profiles.

GBCI carries more volatility with a beta of 0.73 — expect wider price swings.

GBCI is growing revenue faster at 41.4% — sustainability is the question.

AIG generates stronger free cash flow (636M), providing more financial flexibility.

Bottom Line

GBCI scores higher overall (77/100 vs 60/100), backed by strong 25.7% margins and 41.4% revenue growth. 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.

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.

Glacier Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Glacier Bancorp, Inc. is the bank holding company for Glacier Bank providing commercial banking services to individuals, small and medium-sized businesses, community organizations, and public entities in the United States. The company is headquartered in Kalispell, Montana.

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