Omni Financial Services (OTCMKTS:OFSI) versus Texas Community Bancshares (NASDAQ:TCBS) Head to Head Analysis

Texas Community Bancshares (NASDAQ:TCBS) and Omni Financial Services (OTCMKTS:OFSI) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, valuation, analyst recommendations, earnings, institutional ownership and profitability.

Earnings and Valuation

This table compares Texas Community Bancshares and Omni Financial Services”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Texas Community Bancshares	$20.55 million	2.35	-$1.30 million	$0.85	19.54
Omni Financial Services	N/A	N/A	N/A	N/A	N/A

Omni Financial Services has lower revenue, but higher earnings than Texas Community Bancshares.

Analyst Ratings

This is a summary of current ratings and recommmendations for Texas Community Bancshares and Omni Financial Services, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Texas Community Bancshares	0	1	0	0	2.00
Omni Financial Services	0	0	0	0	0.00

Given Omni Financial Services’ higher possible upside, analysts plainly believe Omni Financial Services is more favorable than Texas Community Bancshares.

Insider and Institutional Ownership

15.8% of Texas Community Bancshares shares are held by institutional investors. 19.5% of Texas Community Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Risk and Volatility

Texas Community Bancshares has a beta of 0.05, suggesting that its stock price is 95% less volatile than the S&P 500. Comparatively, Omni Financial Services has a beta of 3.01, suggesting that its stock price is 201% more volatile than the S&P 500.

Profitability

This table compares Texas Community Bancshares and Omni Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Texas Community Bancshares	9.98%	4.77%	0.57%
Omni Financial Services	N/A	N/A	N/A

Summary

Texas Community Bancshares beats Omni Financial Services on 7 of the 9 factors compared between the two stocks.

About Texas Community Bancshares

Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, e-statement, cards, online banking, and mobile banking services. Texas Community Bancshares, Inc. was founded in 1934 and is headquartered in Mineola, Texas.

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.