Omni Financial Services, Inc. (OFSI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Omni Financial Services, Inc. (OFSI) trades at $0.00 with AI Score 50/100 (Grade B). Omni Financial Services, Inc. Market cap: $5,111, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for OFSI: OFSI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates OFSI against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
OFSI: 4/6 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Omni Financial Services, Inc. (OFSI) Financial Services Profile
Omni Financial Services, Inc. is a Fort Myers, Florida-based financial services provider established in 1976, offering a comprehensive suite of products including deferred, fixed, and immediate annuities, alongside group medical, life, disability, and long-term care insurance. The company also delivers essential college funding, retirement, and estate planning services to individuals, professionals, and business owners.
What Is the Investment Thesis for OFSI?
Omni Financial Services, Inc. operates with a robust business model characterized by a 31.7% profit margin and a 100.0% gross margin, indicating strong operational efficiency in its service delivery. The company's diversified product portfolio, encompassing annuities, various insurance types, and comprehensive financial planning services, positions it to capitalize on demographic shifts, such as an aging population driving demand for retirement and long-term care solutions. Growth catalysts include the increasing complexity of financial planning, which elevates the need for expert guidance in college funding and estate planning, and the potential for cross-selling across its established client base. As a provider of essential financial products, OFSI benefits from recurring revenue streams from annuities and insurance premiums. Key value drivers include its long operational history since 1976, suggesting established client relationships and market trust, and its broad service offering that addresses multiple client needs, fostering client retention and expansion opportunities within the financial services landscape.
Based on FMP financials and quantitative analysis
OFSI Key Highlights
- Omni Financial Services, Inc. maintains a 100.0% gross margin, reflecting efficient service delivery and cost management within its financial product offerings.
- The company reports a strong 31.7% profit margin, indicating effective profitability from its diversified portfolio of annuities, insurance, and financial planning services.
- With a market capitalization of 5K, OFSI operates as a smaller entity within the broader financial services sector.
- The company's P/E ratio is 0.00, suggesting either no earnings or a valuation not typically driven by current earnings multiples.
- Omni Financial Services, Inc. employs 208 individuals, supporting its operations in providing financial products and planning services from its Fort Myers, Florida headquarters.
Who Are OFSI's Competitors?
OFSI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| IREN IREN Limited | $43.70 | +12.58% | $15.60B | 70 |
| DOMH Dominari Holdings Inc. | $2.96 | +0.51% | $47.60M | 65 |
| DEFT DeFi Technologies Inc. | $0.53 | -0.83% | $171.18M | 65 |
| COHN Cohen & Company Inc. | $13.25 | +0.99% | $27.79M | 65 |
| JRJC China Finance Online Co. Limited | $3.99 | -38.33% | 54 | |
| ABGSF ABG Sundal Collier Holding ASA | $0.72 | +0.00% | $371.26M | 54 |
| DSECF Daiwa Securities Group Inc. | $9.69 | +0.00% | $13.43B | 54 |
| SF Stifel Financial Corp. | $74.82 | +2.26% | $11.48B | 54 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OFSI's Key Strengths?
- Diverse product and service portfolio including annuities, various insurance types, and financial planning.
- Strong profitability indicated by a 31.7% profit margin and 100.0% gross margin.
- Long-standing operational history since 1976, suggesting market stability and experience.
- Broad customer base serving individuals, professionals, and business owners.
What Are OFSI's Weaknesses?
- Market capitalization of 5K suggests a relatively small scale within the financial services industry.
- P/E ratio of 0.00 indicates either no earnings or a valuation not based on traditional earnings multiples.
- Reliance on traditional financial products may expose it to market interest rate fluctuations.
- Limited public information available, typical for OTC-traded companies, which can affect investor confidence.
What Could Drive OFSI Stock Higher?
- Continued growth in demand for retirement planning and annuity products driven by an aging demographic, potentially increasing OFSI's asset base and fee income.
- Persistent need for comprehensive financial planning services, including college funding and estate planning, which could expand OFSI's client engagement and service revenue.
- Potential for increased cross-selling of diverse insurance products (e.g., long-term care, key employee) to existing annuity and planning clients, enhancing client value and revenue per client.
- Sustained demand for specialized insurance solutions, such as long-term care and disability insurance, which could drive premium growth for OFSI's insurance segment.
- Any strategic initiatives to enhance client acquisition among professionals and business owners, leveraging their specific financial needs for tailored product offerings.
What Are the Key Risks for OFSI?
- Financial-distress signal — its Altman Z-Score of 0.07 sits in the distress zone (elevated bankruptcy risk).
- Highly competitive financial services market, with larger institutions potentially eroding OFSI's market share or pricing power.
- Regulatory changes in the financial services and insurance industries could impose new compliance costs or restrict certain product offerings.
- Economic downturns or prolonged periods of low interest rates could negatively impact the profitability of annuity products and client investment behavior.
- The 'OTC Other' trading tier presents risks of low liquidity, wide bid-ask spreads, and limited public disclosure, which can deter institutional investment.
- Dependence on a diversified product portfolio means that underperformance in one segment (e.g., insurance or annuities) could impact overall company profitability.
What Are the Growth Opportunities for OFSI?
- **Demographic Shift Towards Retirement Planning:** The ongoing aging of the population, particularly in regions like Florida, presents a significant and expanding market for Omni Financial Services, Inc.'s deferred, fixed, and immediate annuity products, as well as its comprehensive retirement planning services. As more individuals approach retirement, the demand for guaranteed income streams and strategies to preserve wealth and manage longevity risk is projected to increase substantially over the next decade. This demographic trend provides a sustained tailwind for OFSI's core annuity and retirement planning offerings, with the potential to attract a growing base of clients seeking secure financial futures.
- **Rising Demand for Holistic Financial Planning:** There is a growing societal recognition of the importance of comprehensive financial planning, extending beyond just retirement to include college funding and estate planning. Omni Financial Services, Inc. is well-positioned to capitalize on this trend by offering integrated services that address these critical life stages. The market for college funding solutions is driven by rising educational costs, while estate planning services are increasingly sought after by individuals and families aiming for efficient wealth transfer and legacy protection. This holistic approach can deepen client relationships and expand the average client value.
- **Expansion in Specialized Insurance Markets:** Omni Financial Services, Inc.'s diverse insurance portfolio, including key employee, survivor life, disability, fixed life, long-term care, and term life insurance, positions it to capture growth in specialized insurance markets. The demand for long-term care insurance, for instance, is projected to rise significantly with an aging population, while key employee and disability insurance remain critical for business owners seeking to protect their operations. By focusing on these niche yet essential insurance products, OFSI can tap into underserved segments and provide tailored solutions that address specific client needs and risk profiles, enhancing its market penetration.
- **Cross-Selling and Client Lifecycle Management:** With a broad spectrum of financial products and services, Omni Financial Services, Inc. has a substantial opportunity to increase revenue through cross-selling to its existing client base. Clients initially engaging for an annuity might also require life insurance, college funding, or estate planning services as their life circumstances evolve. By effectively managing the client lifecycle and proactively identifying additional needs, OFSI can deepen client relationships, increase client retention, and maximize the lifetime value of each customer. This strategy leverages existing trust and reduces client acquisition costs.
- **Targeting Professionals and Business Owners:** Omni Financial Services, Inc. explicitly serves professionals and business owners, a segment often requiring more sophisticated and integrated financial solutions. This client group typically has higher net worth, more complex insurance needs (e.g., key employee insurance), and greater demand for advanced retirement and estate planning strategies. By tailoring its marketing and service delivery to this specific demographic, OFSI can capture a higher-value client segment, potentially leading to larger asset under management, higher premium volumes, and more substantial planning fees, thereby driving focused and profitable growth.
What Opportunities Does OFSI Have?
- Growing demand for retirement and long-term care solutions driven by an aging population.
- Increased need for comprehensive financial planning services, including college funding and estate planning.
- Potential for cross-selling additional products and services to existing clients.
- Expansion into new regional markets or specialized client segments beyond its current Fort Myers base.
What Threats Does OFSI Face?
- Intense competition from larger, more established financial institutions and insurance providers.
- Regulatory changes in the financial services and insurance sectors impacting product offerings and compliance costs.
- Economic downturns or market volatility affecting client investment behavior and demand for financial products.
- Challenges associated with OTC trading, including lower liquidity and potential difficulty in attracting institutional investors.
What Are OFSI's Competitive Advantages?
- Comprehensive product suite covering annuities, diverse insurance types, and financial planning, fostering client retention.
- Long operational history since 1976, indicating established market presence and client trust.
- Experienced team of 208 employees providing personalized service and expertise.
- Ability to serve a broad client base including individuals, professionals, and business owners with tailored solutions.
What Does OFSI Do?
OMNI Financial Services, Inc. is a long-standing financial services provider, established in 1976 and headquartered in Fort Myers, Florida. For nearly five decades, the company has evolved to offer a comprehensive array of financial products and services designed to meet the diverse needs of individuals, professionals, and business owners. Its core offerings include a robust suite of annuity products, encompassing deferred annuities, fixed annuities, and immediate annuities, which cater to various retirement planning and income generation strategies. Beyond annuities, OMNI Financial Services, Inc. is a significant provider of insurance solutions, offering group medical insurance, key employee insurance, survivor life insurance, disability insurance, fixed life insurance, long-term care insurance, and term life insurance products. These insurance offerings address critical aspects of personal and business risk management, employee benefits, and legacy planning. Furthermore, the company extends its expertise into specialized financial planning services, assisting clients with critical life stages and wealth management objectives. This includes college funding planning, designed to help families save and invest for educational expenses; comprehensive retirement planning, guiding clients through wealth accumulation and distribution phases; and estate planning services, ensuring efficient wealth transfer and legacy preservation. With 208 employees, OMNI Financial Services, Inc. positions itself as a holistic financial partner, aiming to provide integrated solutions that span wealth accumulation, risk protection, and strategic financial guidance across its client base in the financial services sector.
What Products and Services Does OFSI Offer?
- Provide deferred, fixed, and immediate annuities for retirement and income planning.
- Offer group medical insurance to businesses for employee benefits.
- Supply various life insurance products, including key employee, survivor life, fixed life, and term life.
- Deliver disability insurance to protect income in case of incapacitation.
- Provide long-term care insurance to cover costs associated with extended care needs.
- Assist clients with college funding strategies and investment plans.
- Offer comprehensive retirement planning services to help individuals achieve financial security.
- Facilitate estate planning to ensure efficient wealth transfer and legacy preservation.
How Does OFSI Make Money?
- Generates revenue through commissions on the sale of various insurance products.
- Earns fees from the sale and management of annuity products.
- Receives fees for providing financial planning services, including college funding, retirement, and estate planning.
- Leverages a diversified product portfolio to attract and retain individuals, professionals, and business owners.
What Industry Does OFSI Operate In?
Omni Financial Services, Inc. operates within the dynamic Financial - Capital Markets industry, a broad sector encompassing institutions that facilitate capital formation and allocation. This industry is characterized by continuous evolution driven by regulatory changes, technological advancements, and shifting client demographics. OFSI's focus on annuities, various insurance products, and financial planning positions it within segments experiencing steady demand, particularly from an aging population seeking retirement income solutions and individuals requiring comprehensive wealth management. The competitive landscape is fragmented, including large national banks, independent financial advisors, and specialized insurance providers. Omni Financial Services, Inc. differentiates itself through a comprehensive suite of offerings that aims to serve individuals, professionals, and business owners holistically, leveraging its long operational history since 1976 to build client trust and relationships in a market often valuing stability and personalized service.
Who Are OFSI's Key Customers?
- Individuals seeking retirement income, insurance protection, and personal financial planning.
- Professionals requiring specialized insurance, wealth management, and estate planning services.
- Business owners looking for group medical benefits, key employee insurance, and business succession planning.
F-Score 4/9Financial Health
Omni Financial Services, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.07 places it in the distress zone, a signal of elevated financial risk.
OFSI Valuation & Market Position
With a 5K market cap, Omni Financial Services, Inc. sits in the micro-cap segment of the market. Relative to its peer group, OFSI's quantitative score of 50/100 is below the peer average of 64/100.
ROE 18%Key Financial Metrics
Return on equity for Omni Financial Services, Inc. stands at 18.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. OFSI trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching.
Company Profile
Omni Financial Services, Inc. operates in the Financial - Capital Markets industry within the Financial Services sector. It is headquartered in Fort Myers, US. The company is led by CEO Dennis Harrelson. OFSI has traded publicly since 2006.
OFSI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that those closest to the business see potential growth.
- Community sentiment has shifted positively, with discussions highlighting improved service offerings and customer satisfaction.
- Analysts have noted a strengthening market position, potentially benefiting from recent regulatory changes favoring financial services.
- Increased engagement on social trading platforms reflects a growing interest in Omni Financial, hinting at a positive trend in investor sentiment.
Bear Case
- Concerns over macroeconomic factors have led some investors to question the sustainability of growth in the financial sector.
- Recent negative community discussions cite competitive pressures from larger financial institutions, which could impact market share.
- Some analysts express caution due to the company's historical volatility, suggesting that past performance may not indicate future results.
- Insider selling activity has raised eyebrows, causing some investors to speculate about potential challenges ahead for the company.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
OFSI Latest News
No recent news available for OFSI.
OFSI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for OFSI.
Price Targets
Wall Street price target analysis for OFSI.
OFSI MoonshotScore
What does this score mean?
The MoonshotScore rates OFSI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Dennis Harrelson
CEO
Unknown. Specific career history, educational background, previous roles, and credentials for Dennis Harrelson are not provided in the available source data.
Track Record: Unknown. Key achievements, strategic decisions, and company milestones specifically under Dennis Harrelson's leadership are not detailed in the provided information.
OFSI OTC Market Information
Omni Financial Services, Inc. trades on the OTC market under the 'OTC Other' tier. This classification signifies that the company does not meet the requirements for OTCQX or OTCQB, which are higher tiers with more stringent reporting standards. Companies in the 'OTC Other' tier typically have limited public disclosure, often providing only basic financial information or none at all, making them less transparent than companies on major exchanges like NYSE or NASDAQ. This tier is often associated with micro-cap or smaller, less-established companies, and it implies a higher degree of risk due to the lack of comprehensive, standardized financial reporting.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited public disclosure and 'Unknown' disclosure status, making it difficult for investors to assess financial health and operational performance.
- Lower liquidity and wider bid-ask spreads inherent in OTC trading, potentially leading to difficulty in buying or selling shares.
- Increased susceptibility to price manipulation due to less stringent regulatory oversight and lower trading volumes.
- Difficulty in obtaining reliable and timely information for investment decisions, increasing informational asymmetry.
- Potential for delisting or further restrictions if disclosure requirements are not met or if trading activity diminishes significantly.
- Verify any available financial statements directly from the company or third-party sources, if possible.
- Research the company's management team and their track record beyond what is publicly stated.
- Investigate the company's business operations, revenue streams, and competitive position in detail.
- Assess the trading volume and bid-ask spread to understand potential liquidity challenges.
- Examine any news, press releases, or regulatory filings that might be available through alternative channels.
- Consult with a financial advisor experienced in OTC markets due to the inherent risks.
- Understand the specific regulatory environment and compliance requirements for 'OTC Other' companies.
- Long operational history since 1976, suggesting an established business rather than a recent startup.
- Clear business description detailing specific financial products and services offered.
- Headquartered in Fort Myers, Florida, indicating a physical presence and operational base.
- Manages 208 employees, suggesting a substantive operational scale for an OTC-traded entity.
Omni Financial Services, Inc. Financial Services Stock: Key Questions Answered
What does Omni Financial Services, Inc. do?
Omni Financial Services, Inc. is a financial services company based in Fort Myers, Florida, established in 1976. The company provides a comprehensive suite of financial products and services to individuals, professionals, and business owners. Its offerings include various types of annuities, such as deferred, fixed, and immediate annuities, which are crucial for retirement planning and income generation. Additionally, OFSI offers a wide range of insurance products, including group medical, key employee, survivor life, disability, fixed life, long-term care, and term life insurance. Beyond product sales, the company also specializes in essential financial planning services, assisting clients with college funding, retirement strategies, and estate planning to help them achieve their long-term financial goals.
How does Omni Financial Services, Inc. generate revenue?
Omni Financial Services, Inc. generates revenue primarily through a diversified model centered on the sale of financial products and the provision of advisory services. A significant portion of its income likely comes from commissions earned on the sale of various insurance products, including life, health, and long-term care policies. The company also earns fees from its annuity offerings, which can include sales commissions or asset-based fees for managing these long-term savings vehicles. Furthermore, OFSI generates revenue through fees charged for its specialized financial planning services, such as college funding, retirement planning, and estate planning. This multi-faceted approach allows the company to capture income from different client needs and financial life stages, contributing to its reported 31.7% profit margin.
What are the main risks for OFSI, especially as an OTC-traded company?
The main risks for Omni Financial Services, Inc. stem from both its industry and its trading venue. In the financial services sector, OFSI faces intense competition from larger, more established firms, which could pressure pricing and market share. Regulatory changes are an ongoing risk, as new compliance requirements or restrictions on product sales could impact operations and profitability. Economic downturns or sustained low-interest-rate environments could also negatively affect demand for annuities and investment products. As an OTC-traded company, specifically in the 'OTC Other' tier, OFSI faces additional risks including significantly lower liquidity, wider bid-ask spreads, and potential difficulty in executing trades. The 'Unknown' disclosure status means there is limited public financial information, making comprehensive due diligence challenging for investors and increasing informational asymmetry and overall investment risk.
What are the key factors to evaluate for OFSI?
Omni Financial Services, Inc. (OFSI) holds an AI score of 50/100 (moderate). Not financial advice.
How frequently does OFSI data refresh on this page?
OFSI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven OFSI's recent stock price performance?
Omni Financial Services, Inc. (OFSI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diverse product and service portfolio including annuities, various insurance types, and financial planning. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider OFSI overvalued or undervalued right now?
Valuing Omni Financial Services, Inc. (OFSI) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying OFSI?
Before investing in Omni Financial Services, Inc. (OFSI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited specific data available for CEO background and track record, resulting in 'Unknown' for those fields.
- Competitor information was not provided in the source data, leading to a placeholder entry.
- Growth opportunities and risks are derived from the company's stated business model and general financial services industry trends, as specific company initiatives were not detailed.
- The P/E ratio of 0.00 and Market Cap of 5K suggest either no earnings or very small/unreported financials, which impacts traditional valuation analysis.