Oma Säästöpankki
11.2
EUR
+0.72 %
OMASP
NASDAQ Helsinki
Banks
Financials
Oma Säästöpankki conducts banking operations. The bank offers financial services focused on insurance, loans, savings, and pensions. Various services include children, housing and income insurance, car and housing loans, as well as traditional asset management for share and fund savings. Operations are mainly conducted in Finland, with the main focus on private counseling. The head office is located in Lappeenranta.
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Major OwnersSource: Millistream Market Data AB
Owner | Capital | Votes |
---|---|---|
Etelä-Karjalan Säästöpankkisäätiö | 25.8 % | 25.8 % |
Parkanon Säästöpankkisäätiö | 9.9 % | 9.9 % |
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Insider Transactions
Insider | Date | Total value |
---|---|---|
Jyrki Mäkynen | 03.05.2024 | 3,250EUR |
Jyrki Mäkynen | 03.05.2024 | 8,156EUR |
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Income statement
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Operating income | 111.1 | 156.6 | 144.4 | 247.1 | 271.1 | 261.4 | 253.0 | 258.8 |
growth-% | 20.0 % | 41.0 % | -7.8 % | 71.1 % | 9.7 % | -3.6 % | -3.2 % | 2.3 % |
Operating expenses | -51.7 | -65.3 | -73.1 | -90.6 | -107.0 | -105.8 | -108.9 | -112.0 |
Credit loss | -21.6 | -7.3 | -1.7 | -17.1 | -86.2 | -38.7 | -39.2 | -26.7 |
EBIT (adj.) | 26.7 | 53.1 | 75.9 | 143.5 | 85.6 | 114.3 | 102.3 | 117.5 |
EBIT | 37.7 | 83.3 | 69.2 | 138.0 | 77.0 | 115.9 | 103.9 | 119.1 |
Net income | 30.7 | 66.2 | 55.4 | 110.0 | 61.6 | 92.8 | 83.1 | 95.3 |
EPS (adj.) | 0.73 | 1.40 | 2.02 | 3.54 | 2.07 | 2.77 | 2.47 | 2.84 |
growth-% | 2.5 % | 91.8 % | 44.0 % | 75.3 % | -41.6 % | 33.6 % | -10.5 % | 14.9 % |
Dividend | 0.30 | 0.50 | 0.40 | 1.00 | 0.56 | 0.84 | 0.88 | 1.01 |
Dividend ratio | 29.0 % | 22.6 % | 21.7 % | 30.1 % | 30.0 % | 29.9 % | 34.9 % | 34.9 % |
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Profitability and return on capital
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Cost to income-% | 46.5 % | 41.7 % | 50.6 % | 36.6 % | 39.5 % | 40.5 % | 43.0 % | 43.3 % |
ROA | 0.8 % | 1.4 % | 1.0 % | 1.6 % | 0.8 % | 1.2 % | 1.0 % | 1.1 % |
ROE | 9.1 % | 17.6 % | 14.5 % | 24.3 % | 11.0 % | 15.1 % | 12.2 % | 12.9 % |
ROE tangible | 9.4 % | 18.0 % | 14.8 % | 24.9 % | 11.5 % | 15.8 % | 12.8 % | 13.4 % |
Dividend yield | 2.8 % | 2.9 % | 2.2 % | 4.7 % | 5.0 % | 7.5 % | 7.8 % | 9.0 % |
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Valuation
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Share price (EUR) | 10.60 | 17.10 | 18.62 | 21.25 | 11.20 | 11.20 | 11.20 | 11.20 |
Shares | 29.6 | 30.0 | 30.0 | 33.1 | 33.1 | 33.1 | 33.1 | 33.1 |
Market cap | 313.6 | 512.4 | 559.0 | 702.8 | 370.4 | 370.4 | 370.4 | 370.4 |
Enterprise value | 1,675.9 | 2,290.2 | 2,685.9 | 3,692.8 | -923.2 | -774.2 | -802.6 | -871.9 |
P/E (adj.) | 14.5 | 12.2 | 9.2 | 6.0 | 5.4 | 4.0 | 4.5 | 3.9 |
P/B | 0.9 | 1.3 | 1.5 | 1.3 | 0.6 | 0.6 | 0.5 | 0.5 |
P/B tangible | 0.92 | 1.31 | 1.57 | 1.33 | 0.68 | 0.59 | 0.55 | 0.50 |
Dividend yield | 2.8 % | 2.9 % | 2.2 % | 4.7 % | 5.0 % | 7.5 % | 7.8 % | 9.0 % |
Common equity-% (CET1) | 15.9 % | 15.5 % | 13.3 % | 14.9 % | 14.5 % | 16.2 % | 17.4 % | 18.7 % |
Equity ratio | 8.1 % | 7.5 % | 6.1 % | 7.1 % | 4.9 % | 5.4 % | 5.7 % | 6.1 % |
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Quarter data
Q4/23 | 2023 | Q1/24 | Q2/24 | Q3/24 | Q4/24e | 2024e | Q1/25e | Q2/25e | |
---|---|---|---|---|---|---|---|---|---|
Operating income | 67.2 | 247.1 | 74.1 | 67.5 | 64.1 | 65.4 | 271.1 | ||
EBIT | 35.5 | 138.0 | 24.7 | 4.5 | 22.8 | 25.0 | 77.0 | ||
Net income | 28.1 | 110.0 | 19.9 | 3.4 | 18.3 | 19.9 | 61.6 | ||
EPS (adj.) | 1.00 | 3.54 | 0.62 | 0.13 | 0.67 | 0.65 | 2.07 |
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CORRECTED: Oma Savings Bank Plc’s Notice of Extraordinary General Meeting
Oma Savings Bank Plc’s Notice of Extraordinary General Meeting
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