WallStSmart

American International Group Inc (AIG)vsNorthwest Bancshares Inc (NWBI)

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Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 3757% more annual revenue ($26.74B vs $693.21M). NWBI leads profitability with a 28.9% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.68. NWBI earns a higher WallStSmart Score of 77/100 (B+).

AIG

Buy

61

out of 100

Grade: C+

Growth: 2.7Profit: 5.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 0.67

NWBI

Strong Buy

77

out of 100

Grade: B+

Growth: 8.7Profit: 7.0Value: 6.3Quality: 4.5
Piotroski: 4/9Altman Z: -0.65

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG5 strengths · Avg: 8.6/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.688/10

Growing faster than its price suggests

P/E RatioValuation
14.6x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.72B8/10

Generating 1.7B in free cash flow

NWBI6 strengths · Avg: 9.5/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.1%10/10

Strong operational efficiency at 41.1%

EPS GrowthGrowth
1600.0%10/10

Earnings expanding 1600.0% YoY

Profit MarginProfitability
28.9%9/10

Keeps 29 of every $100 in revenue as profit

Revenue GrowthGrowth
28.3%8/10

Revenue surging 28.3% year-over-year

Areas to Watch

AIG4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Return on EquityProfitability
7.3%3/10

ROE of 7.3% — below average capital efficiency

EPS GrowthGrowth
-10.1%2/10

Earnings declined 10.1%

Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

NWBI3 concerns · Avg: 3.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Altman Z-ScoreHealth
-0.652/10

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 0.68 suggests the stock is reasonably priced for its growth.

Bull Case : NWBI

The strongest argument for NWBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 41.1%. Revenue growth of 28.3% demonstrates continued momentum.

Bear Case : AIG

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

Bear Case : NWBI

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

Key Dynamics to Monitor

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

NWBI carries more volatility with a beta of 0.69 — expect wider price swings.

NWBI is growing revenue faster at 28.3% — sustainability is the question.

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

Bottom Line

NWBI scores higher overall (77/100 vs 61/100), backed by strong 28.9% margins and 28.3% 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.

Northwest Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.

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