Contrasting Omni Financial Services (OTCMKTS:OFSI) and United Bancorporation of Alabama (OTCMKTS:UBAB)

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

Insider and Institutional Ownership

5.5% of United Bancorporation of Alabama shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility & Risk

Omni Financial Services has a beta of 2.62, meaning that its stock price is 162% more volatile than the S&P 500. Comparatively, United Bancorporation of Alabama has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and price targets for Omni Financial Services and United Bancorporation of Alabama, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Omni Financial Services	0	0	0	0	0.00
United Bancorporation of Alabama	0	1	0	0	2.00

Given Omni Financial Services’ higher probable upside, research analysts plainly believe Omni Financial Services is more favorable than United Bancorporation of Alabama.

Earnings & Valuation

This table compares Omni Financial Services and United Bancorporation of Alabama”s 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
United Bancorporation of Alabama	$89.83 million	1.78	$19.67 million	$5.22	10.06

United Bancorporation of Alabama has higher revenue and earnings than Omni Financial Services.

Profitability

This table compares Omni Financial Services and United Bancorporation of Alabama’s 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
United Bancorporation of Alabama	21.11%	12.70%	1.33%

Summary

United Bancorporation of Alabama beats Omni Financial Services on 6 of the 8 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 United Bancorporation of Alabama

United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides banking services. The company offers checking and savings accounts, certificates of deposit, individual retirement accounts, small business programs, business solutions, merchant services, and cash management services. It also provides various lending services, such as personal loans, business loans, lines of credit, and equipment loans; real estate loans for the agricultural community and working lines of credit; and overdraft services. In addition, the company offers debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further, it provides check cashing, convenience, remote deposit, mobile check deposit, personal storage compartments, Web payment options, insurance products, investment and brokerage, and online and mobile banking services. United Bancorporation of Alabama, Inc. was founded in 1904 and is based in Atmore, Alabama.