WallStSmart

American International Group Inc (AIG)vsFarmers National Banc Corp (FMNB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 13669% more annual revenue ($26.70B vs $193.91M). FMNB leads profitability with a 29.5% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.62. AIG earns a higher WallStSmart Score of 72/100 (B).

AIG

Strong Buy

72

out of 100

Grade: B

Growth: 4.7Profit: 5.5Value: 7.0Quality: 5.0
Piotroski: 4/9Altman Z: 0.67

FMNB

Buy

60

out of 100

Grade: C+

Growth: 6.7Profit: 7.0Value: 5.7Quality: 4.8
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG5 strengths · Avg: 8.6/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.628/10

Growing faster than its price suggests

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
21.6%8/10

Earnings expanding 21.6% YoY

FMNB5 strengths · Avg: 9.4/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
46.1%10/10

Strong operational efficiency at 46.1%

Profit MarginProfitability
29.5%9/10

Keeps 30 of every $100 in revenue as profit

Revenue GrowthGrowth
27.7%8/10

Revenue surging 27.7% year-over-year

Areas to Watch

AIG3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.4%4/10

1.4% revenue growth

Return on EquityProfitability
7.8%3/10

ROE of 7.8% — below average capital efficiency

Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

FMNB4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$840.26M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

PEG RatioValuation
2.732/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull 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 : FMNB

The strongest argument for FMNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.5% and operating margin at 46.1%. Revenue growth of 27.7% demonstrates continued momentum.

Bear Case : AIG

The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.

Bear Case : FMNB

The primary concerns for FMNB are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

FMNB carries more volatility with a beta of 0.79 — expect wider price swings.

FMNB is growing revenue faster at 27.7% — sustainability is the question.

AIG generates stronger free cash flow (155M), providing more financial flexibility.

Bottom Line

AIG scores higher overall (72/100 vs 60/100). 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.

Farmers National Banc Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Farmers National Banc Corp. The company is headquartered in Canfield, Ohio.

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