Omni Financial Services, Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

April 2024 | 50 pages | ID: O4C2FAE6FEDBEN
BAC Reports

Abstracts

Omni Financial Services, Inc. Fundamental Company Report provides a complete overview of the company’s affairs. All available data is presented in a comprehensive and easily accessed format. The report includes financial and SWOT information, industry analysis, opinions, estimates, plus annual and quarterly forecasts made by stock market experts. The report also enables direct comparison to be made between Omni Financial Services, Inc. and its competitors. This provides our Clients with a clear understanding of Omni Financial Services, Inc. position in the Industry.

• The report contains detailed information about Omni Financial Services, Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
• Another part of the report is a SWOT-analysis carried out for Omni Financial Services, Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
• The Omni Financial Services, Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
• In the part that describes Omni Financial Services, Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
• Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Omni Financial Services, Inc. business.

About Omni Financial Services, Inc.

Omni Financial Services, Inc. operates as the bank holding company for Omni National Bank. The company has one full-service banking location in Atlanta, Georgia, one in Dalton, Georgia, five in North Carolina, one in Chicago, Illinois and one in Tampa, Florida. In addition, the company has loan production offices in Charlotte, North Carolina, Birmingham, Alabama, Philadelphia, Pennsylvania, and Dallas, Texas.

The company provides financial products and services, including specialized services such as community redevelopment lending, small business lending and equipment leasing, residential construction lending, consumer lending, warehouse lending and asset-based lending.

Markets

The company’s market areas include Atlanta, Georgia; Chicago, Illinois; Tampa, Florida; Fayetteville, North Carolina; Birmingham, Alabama; Philadelphia, Pennsylvania; and Dallas, Texas.

Lending Activities

The company makes loans primarily to small- and medium-sized commercial businesses, professional corporations and their proprietors, and to individual real estate investors. A small portion of its commercial loans are government-guaranteed loans to small businesses under the United States Small Business Administration (SBA) program. The company’s loan portfolio includes Real estate—construction loans, Community redevelopment loans, Commercial real estate loans, Residential real estate loans, Commercial and industrial loans, and Consumer loans.

Real Estate—Construction: Construction loans are secured by first liens on real estate and have floating interest rates.

Community Redevelopment: The company engages in community redevelopment lending. Opportunities to make community redevelopment loans have expanded in Atlanta and in its other markets. The company finances both the acquisition of and improvements to the property. The company’s redevelopment lending portfolio is characterized by loans with relatively small balances. As of December 31, 2006, its redevelopment lending portfolio consisted of approximately 1,200 loans outstanding. The company engages in community redevelopment lending in Atlanta, Georgia; Chicago, Illinois; Tampa, Florida; Birmingham, Alabama; Charlotte, North Carolina; Philadelphia, Pennsylvania, and Dallas, Texas.

Commercial Real Estate: The company makes both non-owner occupied and owner-occupied commercial mortgage loans to finance the purchase of real property. Non-owner occupied commercial mortgage lending involves higher loan principal amounts, and the repayment of loans is dependent, in large part, on sufficient income from the properties collateralizing the loans to cover operating expenses. Owner-occupied commercial mortgages are extended to commercial enterprises to finance their operating facilities. The company’s commercial mortgage loans are collateralized by first liens on real estate, have fixed or floating interest rates.

Residential Real Estate: This portion of its portfolio consists of home equity lines of credit and residential mortgage loans that the company originates and holds.

Commercial and Industrial: The commercial and industrial portion of its portfolio consists of commercial loans to business ventures, credit lines for working capital and short-term seasonal or inventory financing and letters of credit. Commercial borrowers secure their loans with assets of their businesses, personal guaranties of their principals and occasionally mortgages on the principals’ personal residences.

Consumer: The company makes various loans to individuals for personal, family and household purposes, including secured and unsecured installment and term loans. The company also provides the following specialized lending services to its customers in its market areas:

Warehouse Lending: These loans are classified as ‘loans held for sale’ and consist of commitments to residential mortgage lenders to temporarily fund residential mortgages that they originated pending purchase of the mortgages by secondary market mortgage investors. These commitments are funded on an individual mortgage loan basis and are structured as a 100% participation in the underlying collateral. The loans are secured by an assignment of the underlying mortgage obligation and related collateral. The commitments also carry a corporate guarantee by the originating mortgage lender and, in most cases, personal guarantees by the principals of the mortgage lender.

Small Business Lease Finance: This portion of its portfolio consists primarily of loans to finance operating equipment and machinery principally for commercial manufacturers, transportation companies and commercial contractors. The loans are secured by the equipment financed and in most cases are guaranteed personally by the principals of the borrower. These loans are included in the commercial and industrial portfolio.

Deposit Services

The company offers a range of deposit services, including checking accounts, commercial accounts, savings accounts, and other time deposits of various types, ranging from daily money market accounts to long-term certificates of deposit.

Other Banking Services

The company offers other bank services including safe deposit boxes, traveler’s checks, direct deposit, United States Savings Bonds, and banking by mail.

Investment Portfolio

The company’s investment portfolio includes investments in U.S. Treasuries, securities of U.S. Government agencies, Mortgage-backed securities, and Municipal obligations.

History

Omni Financial Services, Inc. was founded in 1976.

The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.

Contents

RESEARCH METHODOLOGY

DISCLAIMER

1. OMNI FINANCIAL SERVICES, INC. COMPANY PROFILE

1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History

2. OMNI FINANCIAL SERVICES, INC. BUSINESS OVERVIEW

2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units

3. OMNI FINANCIAL SERVICES, INC. SWOT ANALYSIS

3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats

4. OMNI FINANCIAL SERVICES, INC. FINANCIAL ANALYSIS

4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot

5. OMNI FINANCIAL SERVICES, INC. COMPETITORS AND INDUSTRY ANALYSIS

5.1. Omni Financial Services, Inc. Direct Competitors
5.2. Comparison of Omni Financial Services, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Omni Financial Services, Inc. and Direct Competitors Stock Charts
5.4. Omni Financial Services, Inc. Industry Analysis
5.4.1. Industry Snapshot
  5.4.2. Omni Financial Services, Inc. Industry Position Analysis

6. OMNI FINANCIAL SERVICES, INC. NEWS & EVENTS

6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events

7. OMNI FINANCIAL SERVICES, INC. EXPERTS REVIEW¹

7.1. Experts Consensus
7.2. Experts Revisions

8. OMNI FINANCIAL SERVICES, INC. ENHANCED SWOT ANALYSIS²

9. UNITED STATES PESTEL ANALYSIS²

9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors

10. OMNI FINANCIAL SERVICES, INC. IFE, EFE, IE MATRICES²

10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix

11. OMNI FINANCIAL SERVICES, INC. PORTER FIVE FORCES ANALYSIS²

12. OMNI FINANCIAL SERVICES, INC. VRIO ANALYSIS²

APPENDIX: RATIO DEFINITIONS

LIST OF FIGURES

Omni Financial Services, Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Omni Financial Services, Inc. 1-year Stock Charts
Omni Financial Services, Inc. 5-year Stock Charts
Omni Financial Services, Inc. vs. Main Indexes 1-year Stock Chart
Omni Financial Services, Inc. vs. Direct Competitors 1-year Stock Charts
Omni Financial Services, Inc. Article Density Chart

1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.

List Of Tables

LIST OF TABLES

Omni Financial Services, Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Omni Financial Services, Inc. Key Executives
Omni Financial Services, Inc. Major Shareholders
Omni Financial Services, Inc. History
Omni Financial Services, Inc. Products
Revenues by Segment
Revenues by Region
Omni Financial Services, Inc. Offices and Representations
Omni Financial Services, Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Omni Financial Services, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Omni Financial Services, Inc. Capital Market Snapshot
Omni Financial Services, Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Omni Financial Services, Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Omni Financial Services, Inc. Consensus Recommendations¹
Analyst Recommendation Summary¹
Price Target Summary¹
Experts Recommendation Trends¹
Revenue Estimates Analysis¹
Earnings Estimates Analysis¹
Historical Surprises¹
Revenue Estimates Trend¹
Earnings Estimates Trend¹
Revenue Revisions¹

ANALYSIS FEATURES

SWOT Analysis

SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.

Enhanced SWOT Analysis

Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:

• How to use the strengths to take advantage of the opportunities?
• How to use the strengths to reduce likelihood and impact of the threats?
• How to overcome the weaknesses that obstruct taking advantage of the opportunities?
• How to overcome the weaknesses that can make the threats a reality?

Upon answering these questions a company can develop a project plan to improve its business performance.

PESTEL Analysis

PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.

Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.

Key Factors Examined by PESTEL Analysis:

• Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
• Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
• Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
• Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
• Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
• Legal – What laws and legislation will exert influence on the style the business is carried out?

IFE, EFE, IE Matrices

The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.

The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.

The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.

Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.

Porter Five Forces Analysis

The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:

1. What composes a threat of substitute products and services?
2. Is there a threat of new competitors entering the market?
3. What is the intensity of competitive rivalry?
4. How big is the bargaining power of buyers?
5. How significant is the bargaining power of suppliers?

VRIO Analysis

VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:

• Tangible resources
  • Financial
  • Physical
  • Technological
  • Organizational
• Intangible resources
  • Human
  • Innovation and Creativity
  • Reputation
• Organizational capabilities

The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:

• Valuable?
• Rare?
• Costly to imitate?
• Organized properly?