Oma Säästöpankki Oyj, a savings bank, provides banking services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland.
Reasonable growth potential with adequate balance sheet.
Share Price & News
How has Oma Säästöpankki Oyj's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: OMASP has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: OMASP exceeded the Finnish Banks industry which returned -25.3% over the past year.
Return vs Market: OMASP exceeded the Finnish Market which returned 1.5% over the past year.
Price Volatility Vs. Market
How volatile is Oma Säästöpankki Oyj's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StHere's What You Should Know About Oma Säästöpankki Oyj's (HEL:OMASP) 2.5% Dividend Yield
5 months ago | Simply Wall StI Built A List Of Growing Companies And Oma Säästöpankki Oyj (HEL:OMASP) Made The Cut
6 months ago | Simply Wall StShould We Worry About Oma Säästöpankki Oyj's (HEL:OMASP) P/E Ratio?
Is Oma Säästöpankki Oyj undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: OMASP (€7.92) is trading below our estimate of fair value (€9.07)
Significantly Below Fair Value: OMASP is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: OMASP is poor value based on its PE Ratio (10.3x) compared to the XE Banks industry average (9.2x).
PE vs Market: OMASP is good value based on its PE Ratio (10.3x) compared to the Finnish market (20.8x).
Price to Earnings Growth Ratio
PEG Ratio: OMASP is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: OMASP is overvalued based on its PB Ratio (0.7x) compared to the XE Banks industry average (0.6x).
How is Oma Säästöpankki Oyj forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: OMASP's forecast earnings growth (22.3% per year) is above the savings rate (0.4%).
Earnings vs Market: OMASP's earnings (22.3% per year) are forecast to grow faster than the Finnish market (13.9% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: OMASP's revenue (12.7% per year) is forecast to grow faster than the Finnish market (5.1% per year).
High Growth Revenue: OMASP's revenue (12.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: OMASP's Return on Equity is forecast to be low in 3 years time (9.5%).
How has Oma Säästöpankki Oyj performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: OMASP has a high level of non-cash earnings.
Growing Profit Margin: OMASP's current net profit margins (28.3%) are lower than last year (31.4%).
Past Earnings Growth Analysis
Earnings Trend: OMASP's earnings have grown by 12.7% per year over the past 5 years.
Accelerating Growth: OMASP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: OMASP had negative earnings growth (-13.1%) over the past year, making it difficult to compare to the Banks industry average (-4.9%).
Return on Equity
High ROE: OMASP's Return on Equity (6.8%) is considered low.
How is Oma Säästöpankki Oyj's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: OMASP's Assets to Equity ratio (11.6x) is moderate.
Allowance for Bad Loans: OMASP has a low allowance for bad loans (49%).
Low Risk Liabilities: 58% of OMASP's liabilities are made up of primarily low risk sources of funding.
Loan Level: OMASP has an appropriate level of Loans to Assets ratio (84%).
Low Risk Deposits: OMASP's Loans to Deposits ratio (159%) is high.
Level of Bad Loans: OMASP has an appropriate level of bad loans (1.2%).
What is Oma Säästöpankki Oyj current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: OMASP's dividend (2.4%) is higher than the bottom 25% of dividend payers in the Finnish market (2.28%).
High Dividend: OMASP's dividend (2.4%) is low compared to the top 25% of dividend payers in the Finnish market (4.89%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether OMASP's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if OMASP's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (24.7%), OMASP's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: OMASP's dividends in 3 years are forecast to be well covered by earnings (26% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Pasi Sydänlammi (46 yo)
Mr. Pasi Sydänlammi has been the Chief Executive Officer at Oma Säästöpankki Oy August 2007 and President since 2009. He served as a Managing Director at Oma Säästöpankki Oy.
CEO Compensation Analysis
Compensation vs Market: Pasi's total compensation ($USD1.04M) is above average for companies of similar size in the Finnish market ($USD595.31K).
Compensation vs Earnings: Pasi's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|CEO & President||13yrs||€881.00k||0.26% |
|Deputy CEO & Customer Operations Director||no data||€260.00k||0.19% |
|Chief Financial & Administrative Officer||3.58yrs||no data||0.085% |
|General Counsel||2.58yrs||no data||0.057% |
|Chief Communications Officer||no data||no data||0.068% |
|Chief Risk Officer||no data||no data||0.080% |
Experienced Management: OMASP's management team is considered experienced (3.6 years average tenure).
|Independent Chairman||1.58yrs||€57.00k||0.00043% |
|Independent Director||6.58yrs||€30.00k||0.020% |
|Independent Vice Chairman||no data||€39.00k||0.023% |
|Independent Director||3.33yrs||€30.00k||0.0083% |
|Independent Director||6.58yrs||€29.00k||0.0091% |
|Independent Director||6.58yrs||€30.00k||0.020% |
|Independent Director||1.33yrs||€17.00k||no data|
Experienced Board: OMASP's board of directors are considered experienced (5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Oma Säästöpankki Oyj's company bio, employee growth, exchange listings and data sources
- Name: Oma Säästöpankki Oyj
- Ticker: OMASP
- Exchange: HLSE
- Founded: 2009
- Industry: Regional Banks
- Sector: Banks
- Market Cap: €236.680m
- Shares outstanding: 29.59m
- Website: https://www.omasp.fi
Number of Employees
- Oma Säästöpankki Oyj
- Valtakatu 32
- South Karelia
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|OMASP||HLSE (OMX Nordic Exchange Helsinki)||Yes||Share Capital||FI||EUR||Nov 2018|
|OM0||MUN (Boerse Muenchen)||Yes||Share Capital||DE||EUR||Nov 2018|
|OM0||DB (Deutsche Boerse AG)||Yes||Share Capital||DE||EUR||Nov 2018|
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 company offers accounts, ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/10 21:16|
|End of Day Share Price||2020/08/10 00:00|
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.