American International Group Inc (AIG)vsNicolet Bankshares Inc. (NIC)
AIG
American International Group Inc
$73.42
-1.15%
FINANCIAL SERVICES · Cap: $40.16B
NIC
Nicolet Bankshares Inc.
$137.28
+0.77%
FINANCIAL SERVICES · Cap: $2.89B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 6129% more annual revenue ($26.70B vs $428.66M). NIC leads profitability with a 31.1% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.62. AIG earns a higher WallStSmart Score of 72/100 (B).
AIG
Strong Buy72
out of 100
Grade: B
NIC
Strong Buy65
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
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 50.5%
Revenue surging 46.5% year-over-year
Conservative balance sheet, low leverage
Attractively priced relative to earnings
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 5.9% — below average capital efficiency
Earnings declined 61.1%
Comparative Analysis Report
WallStSmart ResearchBull 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 : NIC
The strongest argument for NIC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.1% and operating margin at 50.5%. Revenue growth of 46.5% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : NIC
The primary concerns for NIC are PEG Ratio, Return on Equity, EPS Growth.
Key Dynamics to Monitor
AIG profiles as a value stock while NIC is a growth play — different risk/reward profiles.
NIC carries more volatility with a beta of 0.70 — expect wider price swings.
NIC is growing revenue faster at 46.5% — sustainability is the question.
AIG generates stronger free cash flow (155M), providing more financial flexibility.
Bottom Line
AIG scores higher overall (72/100 vs 65/100). 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.
Nicolet Bankshares Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nicolet Bankshares, Inc. is the bank holding company of Nicolet National Bank that offers banking products and services for businesses and individuals. The company is headquartered in Green Bay, Wisconsin.
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