Deutsche Bank Aktiengesellschaft (NYSE:DB – Get Rating) and First Financial (NASDAQ:THFF – Get Rating) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, earnings, institutional ownership, valuation and risk.
Volatility and Risk
Deutsche Bank Aktiengesellschaft has a beta of 1.35, indicating that its share price is 35% more volatile than the S&P 500. Comparatively, First Financial has a beta of 0.67, indicating that its share price is 33% less volatile than the S&P 500.
Profitability
This table compares Deutsche Bank Aktiengesellschaft and First Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Deutsche Bank Aktiengesellschaft | 8.07% | 4.27% | 0.22% |
| First Financial | 30.36% | 11.57% | 1.34% |
Institutional and Insider Ownership
67.2% of First Financial shares are owned by institutional investors. 3.4% of First Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Earnings and Valuation
This table compares Deutsche Bank Aktiengesellschaft and First Financial’s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Deutsche Bank Aktiengesellschaft | $36.51 billion | 0.56 | $2.90 billion | $1.38 | 7.18 |
| First Financial | $194.28 million | 2.80 | $52.99 million | $4.73 | 9.27 |
Deutsche Bank Aktiengesellschaft has higher revenue and earnings than First Financial. Deutsche Bank Aktiengesellschaft is trading at a lower price-to-earnings ratio than First Financial, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of recent ratings and price targets for Deutsche Bank Aktiengesellschaft and First Financial, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Deutsche Bank Aktiengesellschaft | 1 | 8 | 5 | 0 | 2.29 |
| First Financial | 0 | 0 | 1 | 0 | 3.00 |
Deutsche Bank Aktiengesellschaft currently has a consensus target price of $14.14, suggesting a potential upside of 42.71%. First Financial has a consensus target price of $49.00, suggesting a potential upside of 11.74%. Given Deutsche Bank Aktiengesellschaft’s higher possible upside, equities research analysts plainly believe Deutsche Bank Aktiengesellschaft is more favorable than First Financial.
Summary
First Financial beats Deutsche Bank Aktiengesellschaft on 9 of the 14 factors compared between the two stocks.
About Deutsche Bank Aktiengesellschaft (Get Rating)
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.
About First Financial (Get Rating)
First Financial Corporation, through its subsidiaries, provides various financial services. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, it offers lease financing, trust account, depositor, and insurance services. The company operates 78 branches in west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
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