American International Group Inc (AIG)vsMidland States Bancorp, Inc. (MSBI)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
MSBI
Midland States Bancorp, Inc.
$33.45
+0.42%
FINANCIAL SERVICES · Cap: $695.82M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 9245% more annual revenue ($26.74B vs $286.15M). MSBI leads profitability with a 15.0% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. MSBI earns a higher WallStSmart Score of 74/100 (B).
AIG
Buy64
out of 100
Grade: C+
MSBI
Strong Buy74
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
Strong operational efficiency at 35.6%
Earnings expanding 86.0% YoY
Reasonable price relative to book value
18.0% revenue growth
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
ROE of 7.5% — below average capital efficiency
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 : MSBI
The strongest argument for MSBI centers on Operating Margin, EPS Growth, Price/Book. Revenue growth of 18.0% demonstrates continued momentum. PEG of 1.41 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 : MSBI
The primary concerns for MSBI are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while MSBI is a growth play — different risk/reward profiles.
MSBI carries more volatility with a beta of 0.64 — expect wider price swings.
MSBI is growing revenue faster at 18.0% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
MSBI scores higher overall (74/100 vs 64/100) and 18.0% revenue growth. 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.
Midland States Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
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