American International Group Inc (AIG)vsTompkins Financial Corporation (TMP)
AIG
American International Group Inc
$76.28
+1.26%
FINANCIAL SERVICES · Cap: $39.85B
TMP
Tompkins Financial Corporation
$98.83
+0.54%
FINANCIAL SERVICES · Cap: $1.43B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 5887% more annual revenue ($26.74B vs $446.61M). TMP leads profitability with a 39.3% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. TMP earns a higher WallStSmart Score of 78/100 (B+).
AIG
Buy64
out of 100
Grade: C+
TMP
Strong Buy78
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
Reasonable price relative to book value
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 45.0%
Earnings expanding 36.0% YoY
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
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : TMP
The strongest argument for TMP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 39.3% and operating margin at 45.0%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Market Cap, Free Cash Flow.
Key Dynamics to Monitor
AIG profiles as a value stock while TMP is a mature play — different risk/reward profiles.
TMP carries more volatility with a beta of 0.71 — expect wider price swings.
TMP is growing revenue faster at 7.2% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
TMP scores higher overall (78/100 vs 64/100), backed by strong 39.3% 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
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