Community Trust Bancorp (NASDAQ:CTBI) versus Omni Financial Services (OTCMKTS:OFSI) Head to Head Contrast

Community Trust Bancorp (NASDAQ:CTBI) and Omni Financial Services (OTCMKTS:OFSI) 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, earnings, risk, institutional ownership, profitability and dividends.

Earnings and Valuation

This table compares Community Trust Bancorp 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
Community Trust Bancorp	$409.34 million	2.99	$98.06 million	$5.71	11.78
Omni Financial Services	N/A	N/A	N/A	N/A	N/A

Community Trust Bancorp has higher revenue and earnings than Omni Financial Services.

Institutional and Insider Ownership

60.2% of Community Trust Bancorp shares are held by institutional investors. 2.6% of Community Trust Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Community Trust Bancorp	24.85%	12.27%	1.56%
Omni Financial Services	N/A	N/A	N/A

Analyst Ratings

This is a summary of current ratings and recommmendations for Community Trust Bancorp and Omni Financial Services, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Trust Bancorp	0	0	2	2	3.50
Omni Financial Services	0	0	0	0	0.00

Community Trust Bancorp presently has a consensus target price of $63.50, suggesting a potential downside of 5.63%. Given Omni Financial Services’ higher possible upside, analysts clearly believe Omni Financial Services is more favorable than Community Trust Bancorp.

Volatility & Risk

Community Trust Bancorp has a beta of 0.54, meaning that its share price is 46% less volatile than the S&P 500. Comparatively, Omni Financial Services has a beta of 1.43, meaning that its share price is 43% more volatile than the S&P 500.

Summary

Community Trust Bancorp beats Omni Financial Services on 9 of the 11 factors compared between the two stocks.

About Community Trust Bancorp

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that engages in the provision of commercial and personal banking, and trust and wealth management services to small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia, and northeastern Tennessee. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; and consumer loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company was founded in 1903 and is headquartered in Pikeville, Kentucky.

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.