Analyzing Omni Financial Services (OTCMKTS:OFSI) and C&F Financial (NASDAQ:CFFI)

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

Analyst Ratings

This is a breakdown of current recommendations for Omni Financial Services and C&F Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Omni Financial Services	0	0	0	0	0.00
C&F Financial	0	1	0	0	2.00

Given Omni Financial Services’ higher probable upside, research analysts clearly believe Omni Financial Services is more favorable than C&F Financial.

Volatility and Risk

Omni Financial Services has a beta of 1.64, indicating that its stock price is 64% more volatile than the S&P 500. Comparatively, C&F Financial has a beta of 0.35, indicating that its stock price is 65% less volatile than the S&P 500.

Profitability

This table compares Omni Financial Services and C&F Financial’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
C&F Financial	14.84%	11.03%	1.03%

Institutional and Insider Ownership

37.2% of C&F Financial shares are held by institutional investors. 6.4% of C&F Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares Omni Financial Services and C&F Financial”s revenue, earnings per share (EPS) 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
C&F Financial	$140.28 million	1.67	$26.83 million	$8.70	8.28

C&F Financial has higher revenue and earnings than Omni Financial Services.

Summary

C&F Financial beats Omni Financial Services on 7 of the 9 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 C&F Financial

C&F Financial Corp. is a bank holding company, which engages in the provision of banking services to individuals and businesses. It operates through the following segments: Community Banking, Mortgage Banking and Consumer Finance. The Community Banking segment provides checking and savings deposit accounts, business, real estate, development, mortgage, home equity, and installment loans. The Mortgage Banking segment offers ancillary mortgage loan origination services for loan settlement and residential appraisals. The Consumer Finance segment consists of automobile financing through lending programs that are designed to serve customers in the non-prime market who have limited access to traditional automobile financing. The company was founded on March 8, 1994 and is headquartered in Toano, VA.