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.
德意志銀行Aktiengesellschaft(NYSE：DB-GET Rating)和聯合社區銀行(UCBI-GET Rating)都是金融公司，但哪一種投資更優越？我們將根據這兩家公司的股息實力、分析師建議、收益、機構所有權、估值、盈利能力和風險對它們進行比較。
Analyst Recommendations
分析師建議
This is a breakdown of current recommendations and price targets for Deutsche Bank Aktiengesellschaft and United Community Banks, as reported by MarketBeat.
據MarketBeat報道，這是德意志銀行Aktiengesellschaft和聯合社區銀行目前的建議和目標價的細目。
| 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 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| 德意志銀行Aktiengesellschaft | 0 | 7 | 4 | 0 | 2.36 |
| 聯合社區銀行 | 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.
德意志銀行Aktiengesellschaft目前的共識目標價為13.38美元，表明潛在上行空間為62.52%。聯合社區銀行的共識目標價為36.67美元，表明潛在上漲16.51%。鑑於德意志銀行Aktiengesellschaft更強的共識評級和更高的可能上行空間，股票分析師顯然認為德意志銀行Aktiengesellschaft比聯合社區銀行更有利。
Institutional and Insider Ownership
機構和內部人持股
Earnings & Valuation
收益與估值
This table compares Deutsche Bank Aktiengesellschaft and United Community Banks' gross revenue, earnings per share and valuation.
該表格比較了德意志銀行Aktiengesellschaft和聯合社區銀行的毛收入、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 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| 德意志銀行Aktiengesellschaft | 365.1億美元 | 0.47 | 29億美元 | $1.28 | 6.43 |
| 聯合社區銀行 | 7.3661億美元 | 4.53 | 2.698億美元 | $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.
德意志銀行Aktiengesellschaft的收入和收益高於聯合社區銀行。德意志銀行Aktiengesellschaft的市盈率低於聯合社區銀行，這表明它目前是兩隻股票中更負擔得起的一隻。
Profitability
盈利能力
This table compares Deutsche Bank Aktiengesellschaft and United Community Banks' net margins, return on equity and return on assets.
此表比較了德意志銀行Aktiengesellschaft和聯合社區銀行的淨利潤率、股本回報率和資產回報率。
| 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% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| 德意志銀行Aktiengesellschaft | 7.20% | 4.07% | 0.21% |
| 聯合社區銀行 | 30.10% | 11.27% | 1.18% |
Volatility and Risk
波動性和風險
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.
德意志銀行Aktiengesellschaft的貝塔係數為1.34，表明其股價的波動性比標準普爾500指數高34%。相比之下，聯合社區銀行的貝塔係數為1.04，這表明其股價的波動性比標準普爾500指數高出4%。
Summary
摘要
United Community Banks beats Deutsche Bank Aktiengesellschaft on 8 of the 14 factors compared between the two stocks.
聯合社區銀行在兩隻股票比較的14個因素中有8個超過了德意志銀行Aktiengesellschaft。
About Deutsche Bank Aktiengesellschaft
關於德意志銀行Aktiengesellschaft
(Get Rating)
(獲取評級)
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.
德意志銀行Aktiengesellschaft向世界各地的私人、公司實體和機構客户提供投資、金融和相關產品和服務。其企業銀行部門提供現金管理、貿易融資和貸款、信託和代理、外匯和證券服務以及風險管理解決方案。該公司的投資銀行部門提供併購和股權諮詢服務。這一細分市場還側重於融資、諮詢、固定收益、風險管理、銷售和交易以及貨幣。其私人銀行部門提供支付和賬户服務、信貸和存款產品以及投資建議，如環境、社會和治理產品。這一細分市場還提供財富管理、郵政和包裹服務以及數字產品。該公司的資產管理部門提供投資解決方案，例如另類投資，其中包括房地產、基礎設施、私募股權、流動房地產資產和可持續投資；被動投資；以及各種服務，包括保險和養老金解決方案、資產負債管理、投資組合管理解決方案、資產配置諮詢、結構和覆蓋，面向機構、政府、公司和基金會以及個人投資者。截至2021年12月31日，它在58個國家經營着1709家分行。該公司成立於1870年，總部設在德國美因河畔法蘭克福。
About United Community Banks
關於聯合社區銀行
(Get Rating)
(獲取評級)
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.
聯合社區銀行是聯合社區銀行的金融控股公司，為商業、零售、政府、教育、能源、醫療保健和房地產行業提供金融產品和服務。該公司接受各種存款產品，包括支票、儲蓄、貨幣市場等存款賬户。它還向個人、小型企業、中型商業企業和非營利組織提供貸款服務，包括房地產、消費和商業貸款，以及擔保和無擔保貸款和抵押貸款。此外，該公司發起的貸款部分由SBA和美國農業部貸款計劃擔保。此外，它還提供財富管理服務，包括財務規劃、定製投資組合管理和投資建議；管理受託資產的信託服務；非存款投資產品；保險產品，包括人壽保險、長期護理保險和遞延納税年金，以及住宅和商業抵押貸款支持證券、資產支持證券、美國財政部、美國機構和市政債券的投資。此外，該公司還為財產保險合同提供再保險；保險代理服務；經紀服務；以及支付處理、商人、電匯、私人銀行和其他相關金融服務。它通過在佛羅裏達州、佐治亞州、北卡羅來納州、南卡羅來納州和田納西州的171家分支機構網絡運營。聯合社區銀行成立於1950年，總部設在佐治亞州的布萊斯維爾。
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