Oma Säästöpankki
11.2
EUR
+0.72 %
OMASP
NASDAQ Helsinki
Banks
Financials
6,918 following
+0.72%
+0.72%
-17.28%
-20%
-31.37%
-47.29%
-44.14%
-34.5%
+30.23%
+56.64%
www.omasp.fi/sijoittajalle
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.
P/E (adj.) (24e)
5.41
ROE-% (24e)
11 %
P/B (24e)
0.64
Dividend yield-% (24e)
4.99 %
Target price
13.00 EUR
Recommendation
Reduce
Updated
29.10.2024
NASDAQ Helsinki
OMASP
Daily low / high price
11 / 11.24
EUR
Market cap
372.68M EUR
Turnover
130.18K EUR
Volume
12K
Business risk
Valuation risk
Current
Previous
Latest research
Analyst
Kasper Mellas
Analyst
Financial calendar
Extraordinary general meeting
2024-12-10
Annual report
2025-02-10
General meeting
2025-04-08
Interim report
2025-05-05
Interim report
2025-08-04
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 % |
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 % |
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 % |
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 |
ShowingAll content types
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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