Oma Säästöpankki Oyj, a savings bank, provides banking services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland.
Price History & Performance
|Historical stock prices|
|Current Share Price||€15.35|
|52 Week High||€7.84|
|52 Week Low||€16.60|
|1 Month Change||-2.85%|
|3 Month Change||28.99%|
|1 Year Change||89.51%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||114.68%|
Recent News & Updates
Party Time: Brokers Just Made Major Increases To Their Oma Säästöpankki Oyj (HEL:OMASP) Earnings Forecasts
Shareholders in Oma Säästöpankki Oyj ( HEL:OMASP ) may be thrilled to learn that the analysts have just delivered a...
Analyst Forecasts For Oma Säästöpankki Oyj (HEL:OMASP) Are Surging Higher
Oma Säästöpankki Oyj ( HEL:OMASP ) shareholders will have a reason to smile today, with the analysts making substantial...
|OMASP||FI Banks||FI Market|
Return vs Industry: OMASP exceeded the Finnish Banks industry which returned 45.1% over the past year.
Return vs Market: OMASP exceeded the Finnish Market which returned 22% over the past year.
Stable Share Price: OMASP is not significantly more volatile than the rest of Finnish stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: OMASP's weekly volatility (5%) has been stable over the past year.
About the Company
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; cards mortgage, car, renovation, student, business, and other loans, as well as guarantee facilities; savings and investment products; and asset management, payment, insurance, brokerage, and legal and other advisory services, as well as mobile and online banking services. It operates 32 branches.
Oma Säästöpankki Oyj Fundamentals Summary
|OMASP fundamental statistics|
Is OMASP overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|OMASP income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
Nov 01, 2021
|Earnings per share (EPS)||2.00|
|Net Profit Margin||57.86%|
How did OMASP perform over the long term?See historical performance and comparison
1.6%Current Dividend Yield
Is Oma Säästöpankki Oyj undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: OMASP (€15.35) is trading above our estimate of fair value (€13.1)
Significantly Below Fair Value: OMASP is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: OMASP is good value based on its PE Ratio (7.6x) compared to the European Banks industry average (11.3x).
PE vs Market: OMASP is good value based on its PE Ratio (7.6x) compared to the Finnish market (23.7x).
Price to Earnings Growth Ratio
PEG Ratio: OMASP's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: OMASP is overvalued based on its PB Ratio (1.2x) compared to the XE Banks industry average (0.7x).
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 earnings are forecast to decline over the next 3 years (-6.4% per year).
Earnings vs Market: OMASP's earnings are forecast to decline over the next 3 years (-6.4% per year).
High Growth Earnings: OMASP's earnings are forecast to decline over the next 3 years.
Revenue vs Market: OMASP's revenue (7.8% per year) is forecast to grow faster than the Finnish market (3.7% per year).
High Growth Revenue: OMASP's revenue (7.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if OMASP's Return on Equity is forecast to be high in 3 years time
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 (57.9%) are higher than last year (29%).
Past Earnings Growth Analysis
Earnings Trend: OMASP's earnings have grown by 17.9% per year over the past 5 years.
Accelerating Growth: OMASP's earnings growth over the past year (164.1%) exceeds its 5-year average (17.9% per year).
Earnings vs Industry: OMASP earnings growth over the past year (164.1%) exceeded the Banks industry 19.2%.
Return on Equity
High ROE: OMASP's Return on Equity (15.5%) 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 (12.5x) is moderate.
Allowance for Bad Loans: OMASP has a low allowance for bad loans (36%).
Low Risk Liabilities: 59% 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 (81%).
Low Risk Deposits: OMASP's Loans to Deposits ratio (150%) is high.
Level of Bad Loans: OMASP has an appropriate level of bad loans (1%).
What is Oma Säästöpankki Oyj current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: OMASP's dividend (1.56%) isn’t notable compared to the bottom 25% of dividend payers in the Finnish market (1.67%).
High Dividend: OMASP's dividend (1.56%) is low compared to the top 25% of dividend payers in the Finnish market (3.64%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, OMASP has been paying a dividend for less than 10 years.
Growing Dividend: OMASP's dividend payments have increased, but the company has only paid a dividend for 2 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (12%), OMASP's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: OMASP's dividends in 3 years are forecast to be well covered by earnings (28.1% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Pasi Sydänlammi (47 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. Mr. Sydanlammi has served as a...
CEO Compensation Analysis
Compensation vs Market: Pasi's total compensation ($USD1.03M) is about average for companies of similar size in the Finnish market ($USD813.53K).
Compensation vs Earnings: Pasi's compensation has been consistent with company performance over the past year.
Experienced Management: OMASP's management team is considered experienced (4.7 years average tenure).
Experienced Board: OMASP's board of directors are considered experienced (3.5 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 employee growth, exchange listings and data sources
- Name: Oma Säästöpankki Oyj
- Ticker: OMASP
- Exchange: HLSE
- Founded: 2009
- Industry: Regional Banks
- Sector: Banks
- Market Cap: €454.130m
- Shares outstanding: 29.59m
- Website: https://www.omasp.fi
Number of Employees
- Oma Säästöpankki Oyj
- Valtakatu 32
- South Karelia
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/17 22:30|
|End of Day Share Price||2021/09/17 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.