American International Group Inc (AIG)vsCommerce Bancshares Inc (CBSH)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
CBSH
Commerce Bancshares Inc
$52.03
+1.56%
FINANCIAL SERVICES · Cap: $7.48B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1393% more annual revenue ($26.61B vs $1.78B). CBSH leads profitability with a 32.3% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. CBSH earns a higher WallStSmart Score of 65/100 (C+).
AIG
Buy60
out of 100
Grade: C
CBSH
Buy65
out of 100
Grade: C+
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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 42.5%
Attractively priced relative to earnings
Reasonable price relative to book value
17.3% revenue growth
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Expensive relative to growth rate
2.9% earnings growth
Weak financial health signals
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 : CBSH
The strongest argument for CBSH centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 32.3% and operating margin at 42.5%. Revenue growth of 17.3% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : CBSH
The primary concerns for CBSH are PEG Ratio, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
AIG profiles as a declining stock while CBSH is a growth play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.60 — expect wider price swings.
CBSH is growing revenue faster at 17.3% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
CBSH scores higher overall (65/100 vs 60/100), backed by strong 32.3% margins and 17.3% revenue growth. Both earn "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.
Commerce Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Commerce Bancshares, Inc. is the banking holding company for Commerce Bank providing retail, mortgage banking, corporate, investment, trust and asset management products and services to individuals and businesses in the United States. The company is headquartered in Kansas City, Missouri.
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