American International Group Inc (AIG)vsOld Second Bancorp Inc (OSBC)
AIG
American International Group Inc
$79.91
+0.38%
FINANCIAL SERVICES · Cap: $41.61B
OSBC
Old Second Bancorp Inc
$24.41
-0.77%
FINANCIAL SERVICES · Cap: $1.24B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 7412% more annual revenue ($26.74B vs $355.94M). OSBC leads profitability with a 31.3% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.68. OSBC earns a higher WallStSmart Score of 76/100 (B+).
AIG
Buy61
out of 100
Grade: C+
OSBC
Strong Buy76
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 44.9%
Earnings expanding 211.1% YoY
19.2% 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
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
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 : OSBC
The strongest argument for OSBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.3% and operating margin at 44.9%. Revenue growth of 19.2% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while OSBC is a growth play — different risk/reward profiles.
OSBC carries more volatility with a beta of 0.77 — expect wider price swings.
OSBC is growing revenue faster at 19.2% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
OSBC scores higher overall (76/100 vs 61/100), backed by strong 31.3% margins and 19.2% 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.
Old Second Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
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