American International Group Inc (AIG)vsBank of N.T. Butterfield & Son Ltd (NTB)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
NTB
Bank of N.T. Butterfield & Son Ltd
$54.61
-2.66%
FINANCIAL SERVICES · Cap: $2.16B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 4240% more annual revenue ($26.61B vs $613.12M). NTB leads profitability with a 39.3% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. NTB earns a higher WallStSmart Score of 75/100 (B+).
AIG
Buy60
out of 100
Grade: C
NTB
Strong Buy75
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
Attractively priced relative to earnings
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 42.7%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 24.4% YoY
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
4.3% revenue growth
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 : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.3% and operating margin at 42.7%.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
AIG profiles as a declining stock while NTB is a value play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.60 — expect wider price swings.
NTB is growing revenue faster at 4.3% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
NTB scores higher overall (75/100 vs 60/100), backed by strong 39.3% 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.
Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
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