Financial Review: F.N.B. (NYSE:FNB) & Omni Financial Services (OTCMKTS:OFSI)

F.N.B. (NYSE:FNB) and Omni Financial Services (OTCMKTS:OFSI) are both financial services companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, dividends, earnings, profitability, valuation, institutional ownership and risk.

Risk and Volatility

F.N.B. has a beta of 1.01, meaning that its share price is 1% more volatile than the S&P 500. Comparatively, Omni Financial Services has a beta of 3.08, meaning that its share price is 208% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings for F.N.B. and Omni Financial Services, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
F.N.B.	0	1	3	0	2.75
Omni Financial Services	0	0	0	0	N/A

F.N.B. presently has a consensus target price of $14.67, suggesting a potential upside of 4.09%.

Profitability

This table compares F.N.B. and Omni Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
F.N.B.	21.77%	9.98%	1.28%
Omni Financial Services	N/A	N/A	N/A

Valuation & Earnings

This table compares F.N.B. and Omni Financial Services’ gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
F.N.B.	$2.23 billion	2.27	$485.00 million	$1.32	10.67
Omni Financial Services	N/A	N/A	N/A	N/A	N/A

F.N.B. has higher revenue and earnings than Omni Financial Services.

Insider & Institutional Ownership

79.3% of F.N.B. shares are owned by institutional investors. 1.0% of F.N.B. shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

F.N.B. beats Omni Financial Services on 7 of the 8 factors compared between the two stocks.

About F.N.B.

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

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.