Oma Saastopankki Oyj

OMASP · HE · Financial Services / Banks - Regional

17.24EUR+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close17.24

Open17.24

Day Range17.24 – 17.28

52-Week Range10.00 – 17.24

Volume2.34K

Market Cap571.44M

P/E (TTM)14.33

Forward P/E0.00

EPS1.20

Dividend Yield2.09%

Beta0.43

50-Day Avg16.97

200-Day Avg13.62

About

Oma Säästöpankki Oyj provides banking services, saving and investment solutions, and financial services in Finland. The company offers current, savings, and corporate accounts; deposit guarantees; debit and credit cards; secure banking services; currency services; digital services; cash handling services; and cashier services. Its loan portfolio includes mortgages, student, home improvement, and car loans. The company also provides wealth management services and assistance with inheritance and family law matters, and payment transaction services. It serves private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs. The company was incorporated in 2008 and is headquartered in Lappeenranta, Finland.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Karri Alameri B.Sc., CEFA, M.Sc.
Employees585
HeadquartersValtakatu 32, Lappeenranta, Finland, 53100, Finland
Websitehttps://www.omasp.fi

Leadership

Mr. Karri Alameri B.Sc., CEFA, M.Sc.Chief Executive Officer · b. 1963
Ms. Sarianna Liiri M.Sc.Deputy CEO, CFO & Chief Administrative Officer · b. 1981
Mr. Kalle Virtanen L.L.M.Chief Operating Officer · b. 1975
Mr. Ville RissanenChief Digital Information Officer · b. 1971
Ms. Hanna SirkiaChief Legal Officer · b. 1972
Ms. Pirjetta Soikkeli M.B.A., M.Sc.Chief Communications Officer · b. 1969
Mr. Sasu SihvonenChief Risk Officer · b. 1974
Markus LauriInterim Head of Service Network

Financials

Income Statement

Currency: EUR	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	62.51M	67.73M	80.75M	83.13M	99.07M	116.90M	152.69M	161.39M	372.65M	406.82M	318.54M
Growth (%)	-	+8.35%	+19.22%	+2.95%	+19.18%	+18.00%	+30.61%	+5.70%	+130.90%	+9.17%	-21.70%
Cost of Revenue	8.16M	7.39M	7.26M	6.60M	5.83M	4.99M	4.78M	16.95M	125.46M	136.49M	96.88M
Gross Profit	54.35M	60.34M	73.49M	76.53M	93.25M	111.91M	147.91M	144.44M	247.19M	270.32M	221.66M
Gross Margin	86.95%	89.09%	91.01%	92.06%	94.12%	95.73%	96.87%	89.50%	66.33%	66.45%	69.59%
Operating Expense	35.93M	39.73M	43.11M	51.56M	60.56M	74.20M	64.64M	75.22M	109.14M	195.74M	172.41M
Operating Income	18.42M	20.61M	30.38M	24.98M	32.68M	37.71M	83.27M	69.23M	138.05M	74.59M	49.25M
Operating Margin	29.47%	30.43%	37.62%	30.04%	32.99%	32.25%	54.54%	42.89%	37.05%	18.33%	15.46%
EBITDA	20.93M	23.15M	33.20M	27.96M	38.29M	43.63M	93.58M	76.81M	146.53M	83.44M	60.11M
EBITDA Margin	33.48%	34.18%	41.12%	33.64%	38.65%	37.32%	61.29%	47.59%	39.32%	20.51%	18.87%
Net Income	14.78M	16.04M	24.21M	20.20M	27.58M	30.82M	66.16M	55.38M	110.05M	59.55M	39.48M
Net Income Margin	23.64%	23.69%	29.98%	24.30%	27.84%	26.37%	43.33%	34.32%	29.53%	14.64%	12.39%
Interest Expense	8.16M	7.39M	7.26M	6.60M	5.83M	4.99M	4.78M	16.95M	125.46M	136.49M	96.88M
Interest Expense % of Total Revenue	13.05%	10.91%	8.99%	7.94%	5.88%	4.27%	3.13%	10.50%	33.67%	33.55%	30.41%

Balance Sheet

Currency: EUR	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	1.93B	2.15B	2.73B	2.91B	3.42B	4.38B	5.37B	5.94B	7.64B	7.71B	7.47B
Total Liabilities	1.73B	1.93B	2.49B	2.62B	3.10B	4.03B	4.97B	5.58B	7.10B	7.13B	6.86B
Total Equity	202.13M	220.16M	240.71M	289.58M	319.27M	353.07M	400.77M	364.96M	541.05M	576.14M	618.83M
Cash	7.99M	7.73M	265.26M	18.52M	6.63M	262.09M	198.04M	402.03M	682.12M	395.61M	1.04B
Total Debt	185.99M	373.47M	764.36M	741.95M	959.98M	1.36B	1.78B	2.13B	3.04B	2.79B	2.77B
Net Debt	178.01M	365.74M	499.10M	723.43M	953.35M	1.10B	1.58B	1.72B	2.35B	2.39B	1.73B

Cash Flow

Currency: EUR	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	58.64M	-71.31M	276.25M	-268.35M	-203.92M	-129.63M	-469.77M	-125.18M	-577.88M	197.43M	76.12M
Investing Cash Flow	-2.92M	5.19M	-4.13M	-196.00K	-11.08M	-15.15M	-180.00K	-4.07M	-9.83M	-79.26M	537.49M
Financing Cash Flow	-9.08M	-8.47M	-3.88M	4.29M	207.49M	405.88M	410.74M	360.13M	976.97M	-313.40M	-248.38M
Capital Expenditure	2.92M	796.00K	4.13M	41.00K	12.30M	12.06M	5.98M	3.55M	6.56M	8.14M	18.23M
Free Cash Flow	55.72M	-72.11M	272.12M	-268.39M	-216.22M	-141.69M	-475.75M	-128.74M	-584.44M	189.29M	57.89M
Dividends Paid	693.00K	1.48M	1.58M	2.11M	4.17M	12.70M	12.70M	15.01M	13.27M	33.14M	11.94M
FCF to OCF	95.02%	101.12%	98.50%	100.02%	106.03%	109.31%	101.27%	102.84%	101.14%	95.88%	76.05%
Dividend Paid to FCF	1.24%	-2.05%	0.58%	-0.79%	-1.93%	-8.96%	-2.67%	-11.66%	-2.27%	17.51%	20.62%

Earnings

Report Date	Mar 31, 2018	Sep 30, 2018	Feb 18, 2019	May 9, 2019	Aug 8, 2019	Nov 7, 2019	Feb 17, 2020	May 11, 2020	Aug 10, 2020	Nov 9, 2020	Feb 8, 2021	May 3, 2021	Aug 2, 2021	Nov 1, 2021	Feb 7, 2022	May 2, 2022	Aug 1, 2022	Oct 31, 2022	Feb 6, 2023	May 2, 2023	Jul 31, 2023	Oct 30, 2023	Feb 5, 2024	Apr 29, 2024	Jul 29, 2024	Oct 28, 2024	Feb 10, 2025	May 5, 2025	Aug 4, 2025	Nov 3, 2025	Feb 12, 2026	May 7, 2026	Aug 13, 2026	Nov 5, 2026
EPS Estimate	-	-	0.19	0.18	0.20	-	0.25	0.17	0.14	0.27	0.23	0.19	0.28	0.40	0.64	0.40	0.44	0.43	0.48	0.55	0.65	0.91	1.10	0.62	0.60	0.89	0.64	0.46	0.46	0.40	0.32	0.33	0.29	0.35
EPS Actual	0.14	0.24	0.19	0.14	0.21	0.23	0.16	0.20	0.18	0.28	0.20	0.26	0.40	0.37	0.47	0.49	0.43	0.50	0.51	0.61	0.50	1.01	0.85	0.62	0.13	0.55	0.67	0.11	0.45	0.37	0.43	0.33	0.24	-
Surprise	-	-	0.00%	-22.22%	5.00%	-	-36.00%	17.65%	28.57%	3.70%	-13.04%	36.84%	42.86%	-7.50%	-26.56%	22.50%	-2.27%	16.28%	6.25%	10.91%	-23.08%	10.99%	-22.73%	0.00%	-78.33%	-38.20%	4.69%	-76.09%	-2.17%	-7.50%	34.38%	0.00%	-17.24%	-
Timing	-	-	After-hours	Pre-market	Pre-market	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market

Key Statistics & Ratios

Market Cap571.44M

Enterprise Value2.33B

Trailing P/E14.33

Forward P/E0.00

Price / Sales3.37

Price / Book0.91

EPS1.20

Book Value18.76

Revenue (TTM)169.47M

Gross Profit (TTM)169.47M

Profit Margin23.57%

Operating Margin21.50%

Return on Equity6.58%

Return on Assets0.55%

Shares Outstanding33.22M

Shares Float23.93M

Beta0.43

Dividend Yield2.09%

Dividend Rate0.36

Payout Ratio26.28%

Dividends

20261×

0.36Apr 17, 2026

20251×

0.36Apr 9, 2025

20241×

0.67Mar 27, 2024

20231×

0.40Mar 31, 2023

20221×

0.30Mar 31, 2022

20212×

0.24Sep 30, 20210.13Jan 29, 2021

20191×

0.14Apr 30, 2019