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Oma Säästöpankki Oyj DB:OM0 Stock Report

Last Price

€10.46

Market Cap

€371.2m

7D

2.8%

1Y

-50.3%

Updated

02 Jan, 2025

Data

Company Financials +

Oma Säästöpankki Oyj

DB:OM0 Stock Report

Market Cap: €371.2m

OM0 Stock Overview

Provides banking products and services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland. More details

OM0 fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance2/6
Financial Health3/6
Dividends4/6

Rewards

Trading at 72% below our estimate of its fair value

Earnings are forecast to grow 10.74% per year

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for OM0 from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Oma Säästöpankki Oyj Competitors

ProCredit Holding

XTRA:PCZ

€454.7m

Merkur PrivatBank KgaA

XTRA:MBK

€113.6m

VersaBank

TSX:VBNK

CA$641.8m

SpareBank 1 Helgeland

OB:HELG

NOK 3.9b

Price History & Performance

Summary of share price highs, lows and changes for Oma Säästöpankki Oyj
Historical stock prices
Current Share Price€10.46
52 Week High€23.55
52 Week Low€9.83
Beta0.78
1 Month Change-3.33%
3 Month Change-24.96%
1 Year Change-50.31%
3 Year Change-38.83%
5 Year Change16.74%
Change since IPO46.91%

Recent News & Updates

Recent updates

Shareholder Returns

OM0DE BanksDE Market
7D2.8%1.5%0.3%
1Y-50.3%19.7%8.4%

Return vs Industry: OM0 underperformed the German Banks industry which returned 19.7% over the past year.

Return vs Market: OM0 underperformed the German Market which returned 8.4% over the past year.

Price Volatility

Is OM0's price volatile compared to industry and market?
OM0 volatility
OM0 Average Weekly Movement6.0%
Banks Industry Average Movement3.2%
Market Average Movement4.8%
10% most volatile stocks in DE Market11.8%
10% least volatile stocks in DE Market2.4%

Stable Share Price: OM0 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: OM0's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2008486Sarianna Liiriwww.omasp.fi

Oma Säästöpankki Oyj provides banking products and services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland. The company offers current, savings, rent security deposit, ASP, and corporate accounts; time deposits; credit and debit cards; cashier and payment services; invoice and payment transaction services; and money services, corporate netbank, and other digital trading services. It also provides mortgage, student, renovation, business, and car loans; loans to consumer credits and payment cards with credit facilities; bank guarantees; commercial guarantee products; and financial services for financing business and investments.

Oma Säästöpankki Oyj Fundamentals Summary

How do Oma Säästöpankki Oyj's earnings and revenue compare to its market cap?
OM0 fundamental statistics
Market cap€371.15m
Earnings (TTM)€69.84m
Revenue (TTM)€189.10m

5.3x

P/E Ratio

0.7x

P/B Ratio

Is OM0 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OM0 income statement (TTM)
Revenue€189.10m
Cost of Revenue€0
Gross Profit€189.10m
Other Expenses€119.26m
Earnings€69.84m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 10, 2025

Earnings per share (EPS)2.11
Gross Margin100.00%
Net Profit Margin36.93%
Debt/Equity Ratio546.7%

How did OM0 perform over the long term?

See historical performance and comparison

Dividends

6.0%

Current Dividend Yield

31%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 23:50
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Oma Säästöpankki Oyj is covered by 3 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hans Rettedal ChristiansenDanske Bank
Sauli VilenInderes Oy
Marianne PalmuInderes Oy