United Community Banks (NYSE:UCB) and Omni Financial Services (OTCMKTS:OFSI) Head-To-Head Analysis

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

Valuation & Earnings

This table compares United Community Banks and Omni Financial Services”s 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.

Analyst Recommendations

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

	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, indicating a potential upside of 18.03%. Given United Community Banks’ stronger consensus rating and higher possible 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 held by institutional investors. 0.5% of United Community Banks shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

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

Risk & Volatility

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

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.