Omni Financial Services (OTCMKTS:OFSI) vs. Carter Bankshares (NASDAQ:CARE) Head to Head Review

Omni Financial Services (OTCMKTS:OFSI) and Carter Bankshares (NASDAQ:CARE) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, institutional ownership, dividends, valuation and risk.

Analyst Ratings

This is a summary of recent ratings and price targets for Omni Financial Services and Carter Bankshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Omni Financial Services	0	0	0	0	0.00
Carter Bankshares	0	0	2	0	3.00

Carter Bankshares has a consensus target price of $21.50, suggesting a potential upside of 45.07%. Given Carter Bankshares’ stronger consensus rating and higher possible upside, analysts plainly believe Carter Bankshares is more favorable than Omni Financial Services.

Profitability

This table compares Omni Financial Services and Carter Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Omni Financial Services	N/A	N/A	N/A
Carter Bankshares	10.09%	6.50%	0.53%

Volatility and Risk

Omni Financial Services has a beta of 3.26, suggesting that its share price is 226% more volatile than the S&P 500. Comparatively, Carter Bankshares has a beta of 0.63, suggesting that its share price is 37% less volatile than the S&P 500.

Earnings and Valuation

This table compares Omni Financial Services and Carter Bankshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Omni Financial Services	N/A	N/A	N/A	N/A	N/A
Carter Bankshares	$132.40 million	2.59	$24.52 million	$1.06	13.98

Carter Bankshares has higher revenue and earnings than Omni Financial Services.

Institutional and Insider Ownership

41.5% of Carter Bankshares shares are owned by institutional investors. 1.9% of Carter Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Carter Bankshares beats Omni Financial Services on 9 of the 10 factors compared between the two stocks.

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.

About Carter Bankshares

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services in the United States. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction, acquisition, commercial, and industrial loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll, and social security checks; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, digital wallet, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.