American International Group Inc (AIG)vsS&T Bancorp Inc (STBA)
AIG
American International Group Inc
$76.62
-0.44%
FINANCIAL SERVICES · Cap: $40.25B
STBA
S&T Bancorp Inc
$49.84
-0.04%
FINANCIAL SERVICES · Cap: $1.80B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 6507% more annual revenue ($26.74B vs $404.69M). STBA leads profitability with a 34.7% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.62. STBA earns a higher WallStSmart Score of 69/100 (B-).
AIG
Buy64
out of 100
Grade: C+
STBA
Strong Buy69
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
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 22.9% YoY
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
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 0.62 suggests the stock is reasonably priced for its growth.
Bull Case : STBA
The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.7% and operating margin at 44.7%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : STBA
The primary concerns for STBA are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while STBA is a mature play — different risk/reward profiles.
STBA carries more volatility with a beta of 0.84 — expect wider price swings.
STBA is growing revenue faster at 6.1% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
STBA scores higher overall (69/100 vs 64/100), backed by strong 34.7% 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.
S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
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