American International Group Inc (AIG)vsTrustCo Bank Corp NY (TRST)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
TRST
TrustCo Bank Corp NY
$47.60
+1.64%
FINANCIAL SERVICES · Cap: $832.22M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 13915% more annual revenue ($26.61B vs $189.87M). TRST leads profitability with a 33.3% profit margin vs 11.6%. TRST appears more attractively valued with a PEG of 0.63. TRST earns a higher WallStSmart Score of 71/100 (B).
AIG
Buy60
out of 100
Grade: C
TRST
Strong Buy71
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
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.0%
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 21.3% YoY
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bull Case : TRST
The strongest argument for TRST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 47.0%. PEG of 0.63 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : TRST
The primary concerns for TRST are Market Cap.
Key Dynamics to Monitor
AIG profiles as a declining stock while TRST is a mature play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.60 — expect wider price swings.
TRST is growing revenue faster at 7.9% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
TRST scores higher overall (71/100 vs 60/100), backed by strong 33.3% 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.
TrustCo Bank Corp NY
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.
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