Oma Säästöpankki

12.38 EUR

+3.86 %

6,696 following

OMASP

NASDAQ Helsinki

Banks

Financials

+3.86 %
+6.36 %
+1.31 %
+1.48 %
+14.63 %
+42.79 %
-32.20 %
+3.17 %
+73.15 %

Oma Savings Bank is a Finnish bank that serves private and corporate customers nationwide through its branch offices and digital service channels. The company focuses primarily on retail banking operations and provides its clients banking services through its own balance sheet as well as by acting as an intermediary for its partners' products, such as credit, investment, and loan insurance products. OmaSp is also engaged in mortgage banking operations.

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Market cap
412.71M EUR
Turnover
219.98K EUR
P/E (adj.) (26e)
9.67
ROE-% (26e)
6.2 %
P/B (26e)
0.64
EV/S (26e)
13.71
Dividend yield-% (26e)
4.75 %
Coverage
Recommendation
Reduce
Target price
12.00 EUR
Updated
2026-05-07
Disclaimer
Kasper Mellas
Kasper Mellas

Analyst

Latest research

Latest analysis report

Released: 2026-05-08

Latest extensive report

Released: 2026-04-23

Operating income and EBIT-%

Operating income M

EBIT-% (adj.)

EPS and dividend

EPS (adj.)

Dividend %

Financial calendar
13/8
2026

Interim report Q2'26

5/11
2026

Interim report Q3'26

Risk
Business risk
Valuation risk
Low
High
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Forum discussions
The deterioration of the credit portfolio continues, and it’s not just due to those “couple of large customers who aren’t paying their bills.” The amount of non-performing loans related to activities contrary to instructions dropped by over €27 million since the beginning of the ...
5/7/2026, 1:10 PM
32
The Financial Supervisory Authority (FIN-FSA) has imposed a €400,000 administrative fine on Oma Savings Bank for deficiencies in maintaining its insider list. One wonders if the countdown for Liiri has begun. This is pretty much within the CFO’s territory.
5/15/2026, 11:02 AM
by Kivikko
13
Q1 was okay in terms of results, but one concerning point was found. “Non-performing loans were 543 (485) million euros at the end of the period, which was 9.3 (7.7) percent of the loan portfolio.” (p. 5/80) I’ll have to dig deeper into this tonight.
5/7/2026, 6:44 AM
by Juurikki
10
The talk about a couple of large customers can certainly be forgotten when a significant portion of the bank’s loan portfolio is very soft. Credit has been handed out very loosely. The principle has been that if a customer couldn’t get a loan elsewhere, OmaSp would arrange it. After...
5/8/2026, 7:12 AM
by Westend
9
These have indeed been treated separately. In this earlier comment, the magnitude of this now-announced administrative fine was estimated (of which a 2 MEUR expense provision was included in the forecasts): Inderes – 6 Feb 26 Finanssivalvonta harkitsee seuraamuksia OmaSp:lle sisä...
5/18/2026, 7:11 AM
by Kasper Mellas
5
@Kasper_Mellas’s comment on the administrative fine: Inderes – 18 May 26 OmaSp:lle odotettua pienempi seuraamusmaksu Finanssivalvonnalta - Inderes Seuraamusmaksun johtuu sisäpiiriluetteloiden ylläpidon laiminlyönneistä. An even larger administrative fine regarding money laundering...
5/18/2026, 6:24 AM
5
In this latest interview, these issues are discussed, among others. According to the CEO, they can no longer hide behind any exceptional circumstances; instead, the credit loss levels of recent quarters are now part of normal business operations.
5/9/2026, 10:44 AM
by Kasper Mellas
4
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