Head to Head Survey: United Community Banks (NYSE:UCB) vs. Omni Financial Services (OTCMKTS:OFSI)

United Community Banks (NYSE:UCB) and Omni Financial Services (OTCMKTS:OFSI) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, valuation, risk, institutional ownership, earnings, analyst recommendations and dividends.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for United Community Banks and Omni Financial Services, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
United Community Banks	0	4	4	0	2.50
Omni Financial Services	0	0	0	0	0.00

United Community Banks presently has a consensus target price of $38.40, suggesting a potential upside of 18.03%. Given United Community Banks’ stronger consensus rating and higher probable upside, research analysts clearly believe United Community Banks is more favorable than Omni Financial Services.

Institutional & Insider Ownership

82.3% of United Community Banks shares are owned by institutional investors. 0.5% of United Community Banks shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares United Community Banks and Omni Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
United Community Banks	22.05%	9.65%	1.24%
Omni Financial Services	N/A	N/A	N/A

Volatility & Risk

United Community Banks has a beta of 0.82, meaning that its share price is 18% less volatile than the S&P 500. Comparatively, Omni Financial Services has a beta of 1.43, meaning that its share price is 43% more volatile than the S&P 500.

Valuation and Earnings

This table compares United Community Banks and Omni Financial Services”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
United Community Banks	$1.54 billion	2.53	$328.10 million	$2.72	11.96
Omni Financial Services	N/A	N/A	N/A	N/A	N/A

United Community Banks has higher revenue and earnings than Omni Financial Services.

Summary

United Community Banks beats Omni Financial Services on 9 of the 10 factors compared between the two stocks.

About United Community Banks

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.

About Omni Financial Services

OMNI Financial Services, Inc. provides various financial products and services to individuals, professionals, and business owners. The company offers deferred annuities, fixed annuities, and immediate annuities; and group medical, key employee, survivor life, disability, fixed life, long term care, and term life insurance products. It also provides college funding, retirement, and estate planning services. The company was founded in 1976 and is headquartered in Fort Myers, Florida.