Head to Head Analysis: United Community Banks (NASDAQ:UCBI) Vs. Deutsche Bank Aktiengesellschaft (NYSE:DB)
Head to Head Analysis: United Community Banks (NASDAQ:UCBI) Vs. Deutsche Bank Aktiengesellschaft (NYSE:DB)
Deutsche Bank Aktiengesellschaft (NYSE:DB – Get Rating) and United Community Banks (NASDAQ:UCBI – Get Rating) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, analyst recommendations, earnings, institutional ownership, valuation, profitability and risk.
德意志银行Aktiengesellschaft(NYSE：DB-GET Rating)和联合社区银行(UCBI-GET Rating)都是金融公司，但哪一种投资更优越？我们将根据这两家公司的股息实力、分析师建议、收益、机构所有权、估值、盈利能力和风险对它们进行比较。
Analyst Recommendations
分析师建议
This is a breakdown of current recommendations and price targets for Deutsche Bank Aktiengesellschaft and United Community Banks, as reported by MarketBeat.
据MarketBeat报道，这是德意志银行Aktiengesellschaft和联合社区银行目前的建议和目标价的细目。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Deutsche Bank Aktiengesellschaft | 0 | 7 | 4 | 0 | 2.36 |
| United Community Banks | 0 | 1 | 0 | 0 | 2.00 |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| 德意志银行Aktiengesellschaft | 0 | 7 | 4 | 0 | 2.36 |
| 联合社区银行 | 0 | 1 | 0 | 0 | 2.00 |
Deutsche Bank Aktiengesellschaft currently has a consensus target price of $13.38, indicating a potential upside of 62.52%. United Community Banks has a consensus target price of $36.67, indicating a potential upside of 16.51%. Given Deutsche Bank Aktiengesellschaft's stronger consensus rating and higher probable upside, equities analysts clearly believe Deutsche Bank Aktiengesellschaft is more favorable than United Community Banks.
德意志银行Aktiengesellschaft目前的共识目标价为13.38美元，表明潜在上行空间为62.52%。联合社区银行的共识目标价为36.67美元，表明潜在上涨16.51%。鉴于德意志银行Aktiengesellschaft更强的共识评级和更高的可能上行空间，股票分析师显然认为德意志银行Aktiengesellschaft比联合社区银行更有利。
Institutional and Insider Ownership
机构和内部人持股
Earnings & Valuation
收益与估值
This table compares Deutsche Bank Aktiengesellschaft and United Community Banks' gross revenue, earnings per share and valuation.
该表格比较了德意志银行Aktiengesellschaft和联合社区银行的毛收入、每股收益和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Deutsche Bank Aktiengesellschaft | $36.51 billion | 0.47 | $2.90 billion | $1.28 | 6.43 |
| United Community Banks | $736.61 million | 4.53 | $269.80 million | $2.41 | 13.06 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| 德意志银行Aktiengesellschaft | 365.1亿美元 | 0.47 | 29亿美元 | $1.28 | 6.43 |
| 联合社区银行 | 7.3661亿美元 | 4.53 | 2.698亿美元 | $2.41 | 13.06 |
Deutsche Bank Aktiengesellschaft has higher revenue and earnings than United Community Banks. Deutsche Bank Aktiengesellschaft is trading at a lower price-to-earnings ratio than United Community Banks, indicating that it is currently the more affordable of the two stocks.
德意志银行Aktiengesellschaft的收入和收益高于联合社区银行。德意志银行Aktiengesellschaft的市盈率低于联合社区银行，这表明它目前是两只股票中更负担得起的一只。
Profitability
盈利能力
This table compares Deutsche Bank Aktiengesellschaft and United Community Banks' net margins, return on equity and return on assets.
此表比较了德意志银行Aktiengesellschaft和联合社区银行的净利润率、股本回报率和资产回报率。
| Net Margins | Return on Equity | Return on Assets | |
| Deutsche Bank Aktiengesellschaft | 7.20% | 4.07% | 0.21% |
| United Community Banks | 30.10% | 11.27% | 1.18% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| 德意志银行Aktiengesellschaft | 7.20% | 4.07% | 0.21% |
| 联合社区银行 | 30.10% | 11.27% | 1.18% |
Volatility and Risk
波动性和风险
Deutsche Bank Aktiengesellschaft has a beta of 1.34, suggesting that its stock price is 34% more volatile than the S&P 500. Comparatively, United Community Banks has a beta of 1.04, suggesting that its stock price is 4% more volatile than the S&P 500.
德意志银行Aktiengesellschaft的贝塔系数为1.34，表明其股价的波动性比标准普尔500指数高34%。相比之下，联合社区银行的贝塔系数为1.04，这表明其股价的波动性比标准普尔500指数高出4%。
Summary
摘要
United Community Banks beats Deutsche Bank Aktiengesellschaft on 8 of the 14 factors compared between the two stocks.
联合社区银行在两只股票比较的14个因素中有8个超过了德意志银行Aktiengesellschaft。
About Deutsche Bank Aktiengesellschaft
关于德意志银行Aktiengesellschaft
(Get Rating)
(获取评级)
Deutsche Bank Aktiengesellschaft provides investment, financial, and related products and services to private individuals, corporate entities, and institutional clients worldwide. Its Corporate Bank segment provides cash management, trade finance and lending, trust and agency, foreign exchange, and securities services, as well as risk management solutions. The company's Investment Bank segment offers merger and acquisitions, and equity advisory services. This segment also focuses on financing, advisory, fixed income, risk management, sales and trading, and currencies. Its Private Bank segment provides payment and account services, and credit and deposit products, as well as investment advice, such as environmental, social, and governance products. This segment also provides wealth management, postal and parcel services, and digital offerings. The company's Asset Management segment provides investment solutions, such as alternative investments, which include real estate, infrastructure, private equity, liquid real assets, and sustainable investments; passive investments; and various services, including insurance and pension solutions, asset liability management, portfolio management solutions, asset allocation advisory, structuring, and overlay to institutions, governments, corporations and foundations, and individual investors. As of December 31, 2021, it operated 1,709 branches in 58 countries. The company was founded in 1870 and is headquartered in Frankfurt am Main, Germany.
德意志银行Aktiengesellschaft向世界各地的私人、公司实体和机构客户提供投资、金融和相关产品和服务。其企业银行部门提供现金管理、贸易融资和贷款、信托和代理、外汇和证券服务以及风险管理解决方案。该公司的投资银行部门提供并购和股权咨询服务。这一细分市场还侧重于融资、咨询、固定收益、风险管理、销售和交易以及货币。其私人银行部门提供支付和账户服务、信贷和存款产品以及投资建议，如环境、社会和治理产品。这一细分市场还提供财富管理、邮政和包裹服务以及数字产品。该公司的资产管理部门提供投资解决方案，例如另类投资，其中包括房地产、基础设施、私募股权、流动房地产资产和可持续投资；被动投资；以及各种服务，包括保险和养老金解决方案、资产负债管理、投资组合管理解决方案、资产配置咨询、结构和覆盖，面向机构、政府、公司和基金会以及个人投资者。截至2021年12月31日，它在58个国家经营着1709家分行。该公司成立于1870年，总部设在德国美因河畔法兰克福。
About United Community Banks
关于联合社区银行
(Get Rating)
(获取评级)
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.
联合社区银行是联合社区银行的金融控股公司，为商业、零售、政府、教育、能源、医疗保健和房地产行业提供金融产品和服务。该公司接受各种存款产品，包括支票、储蓄、货币市场等存款账户。它还向个人、小型企业、中型商业企业和非营利组织提供贷款服务，包括房地产、消费和商业贷款，以及担保和无担保贷款和抵押贷款。此外，该公司发起的贷款部分由SBA和美国农业部贷款计划担保。此外，它还提供财富管理服务，包括财务规划、定制投资组合管理和投资建议；管理受托资产的信托服务；非存款投资产品；保险产品，包括人寿保险、长期护理保险和递延纳税年金，以及住宅和商业抵押贷款支持证券、资产支持证券、美国财政部、美国机构和市政债券的投资。此外，该公司还为财产保险合同提供再保险；保险代理服务；经纪服务；以及支付处理、商人、电汇、私人银行和其他相关金融服务。它通过在佛罗里达州、佐治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州的171家分支机构网络运营。联合社区银行成立于1950年，总部设在佐治亚州的布莱斯维尔。
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