American International Group Inc (AIG)vsM&T Bank Corporation (MTB)
AIG
American International Group Inc
$77.75
-3.93%
FINANCIAL SERVICES · Cap: $41.61B
MTB
M&T Bank Corporation
$219.78
-2.16%
FINANCIAL SERVICES · Cap: $31.64B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 183% more annual revenue ($26.74B vs $9.46B). MTB leads profitability with a 31.9% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.68. MTB earns a higher WallStSmart Score of 69/100 (B-).
AIG
Buy61
out of 100
Grade: C+
MTB
Strong Buy69
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 2.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 43.1%
Generating 1.2B in free cash flow
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
0.5% revenue growth
4.6% earnings growth
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 0.68 suggests the stock is reasonably priced for its growth.
Bull Case : MTB
The strongest argument for MTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.9% and operating margin at 43.1%. PEG of 1.31 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 : MTB
The primary concerns for MTB are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
MTB carries more volatility with a beta of 0.61 — expect wider price swings.
MTB is growing revenue faster at 0.5% — sustainability is the question.
AIG generates stronger free cash flow (2.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MTB scores higher overall (69/100 vs 61/100), backed by strong 31.9% 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.
M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
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