American International Group Inc (AIG)vsBank of N.T. Butterfield & Son Ltd (NTB)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
NTB
Bank of N.T. Butterfield & Son Ltd
$60.24
+0.32%
FINANCIAL SERVICES · Cap: $2.35B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 4177% more annual revenue ($26.74B vs $625.16M). NTB leads profitability with a 37.5% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. NTB earns a higher WallStSmart Score of 67/100 (B-).
AIG
Buy64
out of 100
Grade: C+
NTB
Strong Buy67
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
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 32.1%
Conservative balance sheet, low leverage
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Expensive relative to growth rate
Earnings declined 7.2%
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 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 37.5% and operating margin at 32.1%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while NTB is a mature play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.51 — expect wider price swings.
NTB is growing revenue faster at 8.2% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
NTB scores higher overall (67/100 vs 64/100), backed by strong 37.5% margins. 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.
Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
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