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Oma Säästöpankki Oyj

MUN:OM0
Snowflake Description

Good value with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
OM0
MUN
€227M
Market Cap
  1. Home
  2. DE
  3. Banks
Company description

Oma Säästöpankki Oyj, a savings bank, provides banking services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland. The last earnings update was 15 days ago. More info.


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OM0 Share Price and Events
7 Day Returns
0%
MUN:OM0
2.7%
DE Banks
0.7%
DE Market
1 Year Returns
-
MUN:OM0
-35.8%
DE Banks
-7.8%
DE Market
OM0 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Oma Säästöpankki Oyj (OM0) 0% 0% 0% - - -
DE Banks 2.7% 8.7% -2.3% -35.8% -5.4% -23.9%
DE Market 0.7% 3.2% 2.8% -7.8% 11.8% 11.6%
1 Year Return vs Industry and Market
  • No trading data on OM0.
  • No trading data on OM0.
Price Volatility
Industry
5yr Volatility vs Market
Related Companies

Value

 Is Oma Säästöpankki Oyj undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Oma Säästöpankki Oyj to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data    Our intrinsic value calculation method has changed recently, learn more here.

Below are the data sources, inputs and calculation used to determine the intrinsic value for Oma Säästöpankki Oyj.

MUN:OM0 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €9.78 * 8.5%
€0.83
Book Value of Equity per Share Median Book Value from the past 5 years. €9.78
Discount Rate (Cost of Equity) See below 12.6%
Perpetual Growth Rate 10-Year DE Government Bond Rate 0.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for MUN:OM0
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate 0.2%
Equity Risk Premium S&P Global 6.5%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.6 (1 + (1- 20%) (365.47%))
1.907
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.91
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.23% + (1.907 * 6.51%)
12.64%

Discounted Cash Flow Calculation for MUN:OM0 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Oma Säästöpankki Oyj is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

MUN:OM0 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (8.5% – 12.64%) * €9.78)
€-0.41
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-0.41 / (12.64% - 0.23%)
€-3.29
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €9.78 + €-3.29
€6.49
MUN:OM0 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in MUN:OM0 represents 0.9329x of HLSE:OMASP
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.9329x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 6.49 x 0.9329
€6.06
Value per share (EUR) From above. €6.06
Current discount Discount to share price of €7.16
= -1 x (€7.16 - €6.06) / €6.06
-18.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Oma Säästöpankki Oyj is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Oma Säästöpankki Oyj's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Oma Säästöpankki Oyj's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
MUN:OM0 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €0.78
HLSE:OMASP Share Price ** HLSE (2018-12-07) in EUR €7.68
Germany Banks Industry PE Ratio Median Figure of 6 Publicly-Listed Banks Companies 14.32x
Germany Market PE Ratio Median Figure of 421 Publicly-Listed Companies 18.59x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Oma Säästöpankki Oyj.

MUN:OM0 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= HLSE:OMASP Share Price ÷ EPS (both in EUR)

= 7.68 ÷ 0.78

9.84x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Oma Säästöpankki Oyj is good value based on earnings compared to the DE Banks industry average.
  • Oma Säästöpankki Oyj is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Oma Säästöpankki Oyj's expected growth come at a high price?
Raw Data
MUN:OM0 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 9.84x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
17.4%per year
Europe Banks Industry PEG Ratio Median Figure of 107 Publicly-Listed Banks Companies 0.69x
Germany Market PEG Ratio Median Figure of 278 Publicly-Listed Companies 1.46x

*Line of best fit is calculated by linear regression .

MUN:OM0 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 9.84x ÷ 17.4%

0.57x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Oma Säästöpankki Oyj is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Oma Säästöpankki Oyj's assets?
Raw Data
MUN:OM0 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €10.22
HLSE:OMASP Share Price * HLSE (2018-12-07) in EUR €7.68
Germany Banks Industry PB Ratio Median Figure of 6 Publicly-Listed Banks Companies 0.9x
Germany Market PB Ratio Median Figure of 566 Publicly-Listed Companies 1.8x
MUN:OM0 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= HLSE:OMASP Share Price ÷ Book Value per Share (both in EUR)

= 7.68 ÷ 10.22

0.75x

* Primary Listing of Oma Säästöpankki Oyj.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Oma Säästöpankki Oyj is good value based on assets compared to the DE Banks industry average.
X
Value checks
We assess Oma Säästöpankki Oyj's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Oma Säästöpankki Oyj has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Oma Säästöpankki Oyj expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
17.4%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Oma Säästöpankki Oyj expected to grow at an attractive rate?
  • Oma Säästöpankki Oyj's earnings growth is expected to exceed the low risk savings rate of 0.2%.
Growth vs Market Checks
  • Oma Säästöpankki Oyj's earnings growth is expected to exceed the Germany market average.
  • Oma Säästöpankki Oyj's revenue growth is expected to exceed the Germany market average.
Annual Growth Rates Comparison
Raw Data
MUN:OM0 Future Growth Rates Data Sources
Data Point Source Value (per year)
MUN:OM0 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts 17.4%
MUN:OM0 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 13.4%
Germany Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.6%
Europe Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.3%
Germany Market Earnings Growth Rate Market Cap Weighted Average 10.5%
Germany Market Revenue Growth Rate Market Cap Weighted Average 5.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
MUN:OM0 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
MUN:OM0 Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 111 36 1
2020-12-31 100 31 1
2019-12-31 92 29 1
MUN:OM0 Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 72 -407 20
2018-09-30 77 -170 25
2018-06-30 74 -231 24
2018-03-31 73 -55 24
2017-12-31 71 122 24
2017-09-30 62 -61 20
2017-06-30 61 -23 19
2017-03-31 59 -53 17
2016-12-31 56 -83 16
2016-09-30 55 -56 16
2016-06-30 54 -28 16
2016-03-31 52 1 15

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Oma Säästöpankki Oyj's earnings are expected to grow by 17.4% yearly, however this is not considered high growth (20% yearly).
  • Oma Säästöpankki Oyj's revenue is expected to grow by 13.4% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
MUN:OM0 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Oma Säästöpankki Oyj Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

MUN:OM0 Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 1.23 1.23 1.23 1.00
2020-12-31 1.05 1.05 1.05 1.00
2019-12-31 0.97 0.97 0.97 1.00
MUN:OM0 Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 0.78
2018-09-30 0.96
2018-06-30 0.94
2018-03-31 0.95
2017-12-31 0.96
2017-09-30 0.81
2017-06-30 0.76
2017-03-31 0.71
2016-12-31 0.65
2016-09-30 0.64
2016-06-30
2016-03-31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Oma Säästöpankki Oyj is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Oma Säästöpankki Oyj's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Germany market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Oma Säästöpankki Oyj has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Oma Säästöpankki Oyj performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Oma Säästöpankki Oyj's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Insufficient data to establish if Oma Säästöpankki Oyj's year on year earnings growth rate was positive over the past 5 years.
  • Oma Säästöpankki Oyj's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Oma Säästöpankki Oyj's 1-year earnings growth is negative, it can't be compared to the DE Banks industry average.
Earnings and Revenue History
Oma Säästöpankki Oyj's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Oma Säästöpankki Oyj Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

MUN:OM0 Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 72.21 20.20 19.11
2018-09-30 76.59 24.65 20.62
2018-06-30 74.09 23.78 19.72
2018-03-31 72.77 23.99 18.94
2017-12-31 71.45 24.21 18.15
2017-09-30 62.45 19.94 16.55
2017-06-30 61.20 18.74 18.64
2017-03-31 58.51 17.39 18.77
2016-12-31 55.82 16.04 18.90
2016-09-30 55.23 15.78 18.06
2016-06-30 53.63 15.51 17.22
2016-03-31 52.14 15.14 16.69
2015-12-31 50.65 14.78 16.16

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Oma Säästöpankki Oyj has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Oma Säästöpankki Oyj used its assets more efficiently than the DE Banks industry average last year based on Return on Assets.
  • Unable to establish if Oma Säästöpankki Oyj improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Oma Säästöpankki Oyj's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Oma Säästöpankki Oyj has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Oma Säästöpankki Oyj's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Oma Säästöpankki Oyj's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Oma Säästöpankki Oyj Company Filings, last reported 2 months ago.

MUN:OM0 Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 290.33 829.86 20.11
2018-09-30 254.63 820.55 360.86
2018-06-30 249.54 799.23 314.27
2018-03-31 249.54 799.23 314.27
2017-12-31 241.48 802.98 82.99
2017-09-30
2017-06-30
2017-03-31 221.07 404.91 72.89
2016-12-31 221.07 404.91 72.89
2016-09-30 221.07 407.73 72.89
2016-06-30 208.50 324.68 104.31
2016-03-31 208.50 324.68 104.31
2015-12-31 202.13 227.60 154.69
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Oma Säästöpankki Oyj has an acceptable proportion of non-loan assets held.
  • Oma Säästöpankki Oyj's liabilities are made up of primarily low risk sources of funding.
  • Oma Säästöpankki Oyj has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).
  • Oma Säästöpankki Oyj's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Unable to establish if Oma Säästöpankki Oyj has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if Oma Säästöpankki Oyj has an acceptable level of bad loans without bad loans data.
X
Financial health checks
We assess Oma Säästöpankki Oyj's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Oma Säästöpankki Oyj has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Oma Säästöpankki Oyj's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Oma Säästöpankki Oyj dividends. Estimated to be 3.13% next year.
If you bought €2,000 of Oma Säästöpankki Oyj shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Oma Säästöpankki Oyj's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Oma Säästöpankki Oyj's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
MUN:OM0 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
Germany Banks Industry Average Dividend Yield Market Cap Weighted Average of 6 Stocks 3%
Germany Market Average Dividend Yield Market Cap Weighted Average of 334 Stocks 3%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.9%
Germany Bottom 25% Dividend Yield 25th Percentile 1.5%
Germany Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

MUN:OM0 Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.28 1.00
2020-12-31 0.24 1.00
2019-12-31 0.20 1.00
MUN:OM0 Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2018-11-30 0.000 0.000

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Oma Säästöpankki Oyj has not reported any payouts.
  • Unable to verify if Oma Säästöpankki Oyj's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Oma Säästöpankki Oyj's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Oma Säästöpankki Oyj has not reported any payouts.
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (4.4x coverage).
X
Income/ dividend checks
We assess Oma Säästöpankki Oyj's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Oma Säästöpankki Oyj afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Oma Säästöpankki Oyj has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Oma Säästöpankki Oyj's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Pasi Sydänlammi
AGE 44
TENURE AS CEO 11.6 years
CEO Bio

Mr. Pasi Sydänlammi has been the Chief Executive Officer at Oma Säästöpankki Oy. He served as a Managing Director at Oma Säästöpankki Oy.

CEO Compensation
  • Insufficient data for Pasi to compare compensation growth.
  • Insufficient data for Pasi to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the Oma Säästöpankki Oyj management team in years:

2.2
Average Tenure
44.5
Average Age
  • The tenure for the Oma Säästöpankki Oyj management team is about average.
Management Team

Pasi Sydänlammi

TITLE
Chief Executive Officer
AGE
44
TENURE
11.6 yrs

Sarianna Liiri

TITLE
Chief Financial & Administrative Officer
AGE
37
TENURE
2.2 yrs

Kari-Mikael Markkanen

TITLE
Chief Information Officer
AGE
45
TENURE
5.2 yrs

Helena Juutilainen

TITLE
General Counsel
AGE
60
TENURE
1.2 yrs

Minna Sillanpää

TITLE
Chief Communications Officer
AGE
48

Pasi Turtio

TITLE
Executive VP & Customer Business Director
AGE
44

Tony Tötterström

TITLE
Treasurer
TENURE
0.4 yrs
Board of Directors

Jarmo Partanen

TITLE
Chairman of the Board
AGE
62
TENURE
4.3 yrs

Jyrki Mäkynen

TITLE
Vice Chairman
AGE
54

Jarmo Salmi

TITLE
Director
AGE
55

Aki Jaskari

TITLE
Director
AGE
57

Aila Hemminki

TITLE
Director
AGE
52
TENURE
1.9 yrs

Heli Korpinen

TITLE
Director
AGE
53

Timo Kokkala

TITLE
Director
AGE
58
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Oma Säästöpankki Oyj's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Oma Säästöpankki Oyj has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Map
Description

Oma Säästöpankki Oyj, a savings bank, provides banking services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland. It offers current accounts, payment transaction accounts, savings deposits, investment deposits, OmaTuotto deposits, and ASP accounts; financing products, such as mortgage, consumer credit, flexible credit, student loans, loan insurance, business account, bond loan, bank guarantee, and business loan insurance; and credit and debit cards. It also invests in stocks, reserves, shares, and capitalization insurance products. In addition, the company provides retirement savings and asset management insurance, as well as online services. It operates 36 branches. The company was founded in 2009 and is headquartered in Lappeenranta, Finland.

Details
Name: Oma Säästöpankki Oyj
OM0
Exchange: MUN
Founded: 2009
€227,064,875
29,585,000
Website: http://www.omasp.fi
Address: Oma Säästöpankki Oyj
Valtakatu 32,
Lappeenranta,
South Karelia, 53100,
Finland
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
HLSE OMASP Share Capital OMX Nordic Exchange Helsinki FI EUR 30. Nov 2018
MUN OM0 Share Capital Boerse Muenchen DE EUR 30. Nov 2018
Number of employees
Current staff
Staff numbers
287
Oma Säästöpankki Oyj employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/06 22:56
End of day share price update: 2018/12/07 00:00
Last estimates confirmation: 2019/02/20
Last earnings filing: 2019/02/19
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.