American International Group Inc (AIG)vsUnited Bankshares Inc (UBSI)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
UBSI
United Bankshares Inc
$43.81
+1.11%
FINANCIAL SERVICES · Cap: $6.08B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 2028% more annual revenue ($26.61B vs $1.25B). UBSI leads profitability with a 40.3% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. UBSI earns a higher WallStSmart Score of 73/100 (B).
AIG
Buy60
out of 100
Grade: C
UBSI
Strong Buy73
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
Reasonable price relative to book value
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 52.7%
Earnings expanding 50.8% YoY
Attractively priced relative to earnings
18.5% revenue growth
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
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 : UBSI
The strongest argument for UBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 40.3% and operating margin at 52.7%. Revenue growth of 18.5% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : UBSI
The primary concerns for UBSI are PEG Ratio.
Key Dynamics to Monitor
AIG profiles as a declining stock while UBSI is a growth play — different risk/reward profiles.
UBSI carries more volatility with a beta of 0.75 — expect wider price swings.
UBSI is growing revenue faster at 18.5% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
UBSI scores higher overall (73/100 vs 60/100), backed by strong 40.3% margins and 18.5% 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.
United Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia.
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