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DB vs NWG
Which Stock Would AI Choose? Deutsche Bank (DB) vs. NatWest Group (NWG) Stock Comparison
Key Takeaways
- Deutsche Bank (DB) and NatWest Group (NWG) are both large European banks, but DB leans on its global investment bank while NWG is a UK-focused retail, commercial, and wealth franchise.
- NWG's 2025 return on tangible equity (RoTE, a measure of profitability versus shareholder equity) of about 19.2% is considerably higher than DB's roughly 10.3%.
- DB's momentum has been powered by strong trading and investment-banking revenues, while NWG has driven growth through lending, deposit expansion, and its structural hedge income.
- Both banks are returning capital aggressively; DB raised its dividend and buybacks, while NWG lifted its dividend by about 51% and announced a £750 million buyback.
- Key risk contrasts: DB faces a renewed money-laundering investigation, while NWG is digesting its largest acquisition in years, the £2.7 billion Evelyn Partners wealth-management deal.
- For more detail, explore DB Major News and DB Today's Price Move, as well as NWG Major News and NWG Today's Price Move.
- To see how automated strategies are positioning across thousands of tickers, explore Trending AI Robots.
Introduction
Deutsche Bank and NatWest Group are two of Europe's most closely watched banking names, yet they occupy different niches within the sector. This stock comparison is relevant for investors and traders seeking to understand how a capital-markets-heavy global lender (DB) stacks up against a domestically focused UK retail and commercial bank (NWG). Both have reported strong full-year results and raised shareholder payouts in recent weeks, making the relative performance and market positioning of the two stocks a timely topic. The contrast in business model, profitability, and risk profile helps illustrate the trade-offs between revenue-driven, investment-banking exposure and steadier, balance-sheet-led earnings.
DB Overview and Recent Performance
Deutsche Bank is Germany's largest lender and a global financial-services group spanning investment banking, corporate banking, private banking, and asset management through its DWS subsidiary. In recent market activity, the stock has been one of the stronger performers among European banks, reflecting a string of results that beat analyst expectations, led by its investment bank. For full-year 2025, Deutsche Bank reported a record pre-tax profit of roughly €9.7 billion and a return on tangible equity above 10%, while management raised medium-term targets, aiming for a RoTE of more than 13% by 2028.
Sentiment has been largely constructive, with several sell-side analysts maintaining Buy ratings in recent weeks. However, the picture is not without friction: renewed money-laundering investigations involving transactions from 2013 to 2018 have reintroduced conduct and compliance risk, a long-standing overhang for the bank. This combination of strong operating momentum and regulatory uncertainty has kept the stock's relative performance strong but volatile.
NWG Overview and Recent Performance
NatWest Group is a major UK banking group headquartered in Edinburgh, tracing its roots to the Royal Bank of Scotland. It serves retail, private, commercial, corporate, and institutional customers, and in 2025 it completed its first full year in private hands following the UK government's exit. Full-year results showed attributable profit rising to about £5.5 billion, with a RoTE of roughly 19.2% and a Common Equity Tier 1 (CET1) ratio—a key measure of capital strength—of about 14%.
Recent performance has been supported by growth in net interest income (NII, the difference between interest earned on loans and interest paid on deposits), deposit margin expansion, and structural hedge income, alongside the integration of Sainsbury's Bank, which added roughly one million customers. The agreed £2.7 billion acquisition of wealth manager Evelyn Partners signals a strategic push into private banking. Analysts have responded with a mix of Buy and Neutral ratings, generally acknowledging strong capital generation and rising shareholder returns.
Trending AI Robots
Tickeron's Trending AI Robots page is a curated showcase of automated trading strategies designed to adapt to shifting market conditions. Tickeron offers hundreds of AI trading bots covering thousands of different tickers, but only those best suited to the current environment earn a place in this section. The featured bots vary widely in trading style, strategy, timeframe, performance statistics, and the sets of tickers they trade, giving traders a spectrum of approaches to evaluate. The selection is refreshed to reflect changing trends, making it a useful starting point for those researching systematic strategies across names such as DB and NWG. Explore Trending AI Robots to review the current lineup.
Head-to-Head Comparison
The clearest contrast between the two banks is their business mix. DB derives a substantial share of earnings from investment banking and fixed-income trading, making it more sensitive to capital-markets activity and global macro conditions. NWG is concentrated in the UK, with income driven by lending margins, deposits, and an expanding wealth business, which tends to produce more stable but regionally tied earnings.
Profitability differs sharply: NWG's RoTE near 19% outpaces DB's roughly 10%, reflecting NWG's leaner, simpler balance sheet. In contrast, DB offers a lower valuation and stronger recent share-price momentum, though it carries the overhang of conduct risk. On capital returns, both are generous, but NWG's CET1 ratio of about 14% and planned buyback underscore its distribution capacity, while DB's payouts are weighed against regulatory scrutiny. Risk profiles also diverge: DB faces litigation and compliance exposure, whereas NWG faces UK-specific rate sensitivity and integration risk from Evelyn Partners.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely favor NWG on stability and return quality, given its superior RoTE, strong CET1 capital position, and consistent income growth. Its trend profile is supported by durable earnings drivers and rising shareholder distributions. At the same time, DB may register stronger near-term momentum and a more attractive valuation, though its higher volatility and regulatory overhang introduce greater uncertainty. In probabilistic terms, a stability-oriented signal would tend to tilt toward NWG, while a momentum-oriented signal could favor DB. The ultimate weighting depends on each bot's strategy, timeframe, and risk parameters.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is DB is a Buy and NWG is a Buy.
DB's RSI Oscillator recovers from oversold territory
The RSI Indicator for DB moved out of oversold territory on October 26, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 19 similar instances when the indicator left oversold territory. In 14 of the 19 cases the stock moved higher. This puts the odds of a move higher at 74%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 28, 2026. You may want to consider a long position or call options on DB as a result. In 54 of 78 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 69%.
The Moving Average Convergence Divergence (MACD) for DB just turned positive on October 27, 2026. Looking at past instances where DB's MACD turned positive, the stock continued to rise in 33 of 50 cases over the following month. The odds of a continued upward trend are 66%.
DB moved above its 50-day moving average on November 09, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +6.49% 3-day Advance, the price is estimated to grow further. Considering data from situations where DB advanced for three days, in 229 of 326 cases, the price rose further within the following month. The odds of a continued upward trend are 70%.
Bearish Trend Analysis
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where DB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 62%.
DB broke above its upper Bollinger Band on November 04, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for DB entered a downward trend on November 03, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 18 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Valuation Rating of 20 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.831) is normal, around the industry mean (1.262). P/E Ratio (10.407) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (1.505) is also within normal values, averaging (1.194). DB has a moderately high Dividend Yield (0.096) as compared to the industry average of (0.035). DB's P/S Ratio (1.991) is slightly lower than the industry average of (3.740).
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. DB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 65 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 72 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
NWG's RSI Oscillator ascending out of oversold territory
The RSI Oscillator for NWG moved out of oversold territory on November 04, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 22 similar instances when the indicator left oversold territory. In 18 of the 22 cases the stock moved higher. This puts the odds of a move higher at 82%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
Following a +1.64% 3-day Advance, the price is estimated to grow further. Considering data from situations where NWG advanced for three days, in 237 of 341 cases, the price rose further within the following month. The odds of a continued upward trend are 70%.
NWG may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 22, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on NWG as a result. In 47 of 81 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 58%.
The Moving Average Convergence Divergence Histogram (MACD) for NWG turned negative on October 30, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 43 similar instances when the indicator turned negative. In 24 of the 43 cases the stock turned lower in the days that followed. This puts the odds of success at 56%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where NWG declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 55%.
The Aroon Indicator for NWG entered a downward trend on November 04, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 5 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 11 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 33 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 37 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.412) is normal, around the industry mean (1.262). P/E Ratio (10.372) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (1.468) is also within normal values, averaging (1.194). Dividend Yield (0.081) settles around the average of (0.035) among similar stocks. P/S Ratio (3.182) is also within normal values, averaging (3.740).
The Tickeron Price Growth Rating for this company is 59 (best 1 - 100 worst), indicating fairly steady price growth. NWG’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 65 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
DB | NWG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 77 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 20 Undervalued | 37 Fair valued | |
PROFIT vs RISK RATING 1..100 | 18 | 11 | |
SMR RATING 1..100 | 4 | 5 | |
PRICE GROWTH RATING 1..100 | 47 | 59 | |
P/E GROWTH RATING 1..100 | 72 | 33 | |
SEASONALITY SCORE 1..100 | 65 | 65 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
DB's Valuation (20) in the Major Banks industry is in the same range as NWG (37). This means that DB’s stock grew similarly to NWG’s over the last 12 months.
NWG's Profit vs Risk Rating (11) in the Major Banks industry is in the same range as DB (18). This means that NWG’s stock grew similarly to DB’s over the last 12 months.
DB's SMR Rating (4) in the Major Banks industry is in the same range as NWG (5). This means that DB’s stock grew similarly to NWG’s over the last 12 months.
DB's Price Growth Rating (47) in the Major Banks industry is in the same range as NWG (59). This means that DB’s stock grew similarly to NWG’s over the last 12 months.
NWG's P/E Growth Rating (33) in the Major Banks industry is somewhat better than the same rating for DB (72). This means that NWG’s stock grew somewhat faster than DB’s over the last 12 months.
| DB | NWG | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 74% | 2 days ago 82% |
| Stochastic ODDS (%) | 2 days ago 55% | 2 days ago 78% |
| Momentum ODDS (%) | 2 days ago 69% | 2 days ago 58% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 56% |
| TrendWeek ODDS (%) | 2 days ago 69% | 2 days ago 69% |
| TrendMonth ODDS (%) | 2 days ago 67% | 2 days ago 57% |
| Advances ODDS (%) | 2 days ago 70% | 22 days ago 70% |
| Declines ODDS (%) | 6 days ago 62% | 6 days ago 55% |
| BollingerBands ODDS (%) | 2 days ago 54% | 2 days ago 72% |
| Aroon ODDS (%) | 2 days ago 55% | 2 days ago 41% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
DB’s FA Score shows that 3 FA rating(s) are green while NWG’s FA Score has 3 green FA rating(s).
- DB’s FA Score: 3 green, 2 red.
- NWG’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
DB’s TA Score shows that 5 TA indicator(s) are bullish while NWG’s TA Score has 4 bullish TA indicator(s).
- DB’s TA Score: 5 bullish, 4 bearish.
- NWG’s TA Score: 4 bullish, 4 bearish.
Price Growth
DB (@Regional Banks) experienced а +9.02% price change this week, while NWG (@Regional Banks) price change was +2.33% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.23%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +11.80%.
Reported Earning Dates
DB is expected to report earnings on Feb 04, 2027.
NWG is expected to report earnings on Feb 12, 2027.
Industries' Descriptions
@Regional Banks (-1.23% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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NWG and
Correlation & Price change
A.I.dvisor indicates that over the last year, NWG has been closely correlated with LYG. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if NWG jumps, then LYG could also see price increases.