Oma Säästöpankki
20 EUR -2.44%6,656 investors are following this company
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 (24e)
5.69
ROE-% (24e)
20.16 %
P/B (24e)
1.06
Dividend yield-% (24e)
5.72 %
Target price
27.50 EUR
Recommendation
Buy
Updated
5.2.2024
NASDAQ Helsinki
OMASP
Daily low / high price
19.94 / 20.55
EUR
Market cap
665.5M EUR
Turnover
363.2K EUR
Volume
18K
Risk and recommendation
HighRiskLow
SellRecommendationBuy
Latest research
Analyst
Sauli Vilén
Business lead research, analyst
Kasper Mellas
Analyst
Financial calendar
Interim report
2024-04-29
Interim report
2024-07-29
Interim report
2024-10-28
Major OwnersSource: Millistream Market Data AB
Owner | Capital | Votes |
---|---|---|
Etelä-Karjalan Säästöpankkisäätiö | 25.8 % | 25.8 % |
Parkanon Säästöpankkisäätiö | 9.9 % | 9.9 % |
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Insider Transactions
Insider | Date | Total value |
---|---|---|
Jyrki Mäkynen | 2024-02-27 | 29,227EUR |
Jarmo Salmi | 2024-02-26 | 10,355EUR |
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This content is for our Premium customers only.
Income statement
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Operating income | 111.1 | 156.6 | 144.4 | 247.1 | 263.5 | 251.1 | 267.1 | 280.9 |
growth-% | 20.0 % | 41.0 % | -7.8 % | 71.1 % | 6.6 % | -4.7 % | 6.4 % | 5.2 % |
Operating expenses | -51.7 | -65.3 | -73.1 | -90.6 | -93.1 | -97.3 | ||
Credit loss | -21.6 | -7.3 | -1.7 | -17.1 | -22.6 | -19.0 | -18.8 | |
EBIT (adj.) | 26.7 | 53.1 | 75.9 | 143.5 | 145.6 | 132.7 | 146.6 | 153.1 |
EBIT | 37.7 | 83.3 | 69.2 | 138.0 | 147.2 | 134.3 | 148.2 | 153.1 |
Net income | 30.7 | 66.2 | 55.4 | 110.0 | 117.6 | 107.3 | 118.4 | 122.4 |
EPS (adj.) | 0.73 | 1.40 | 2.02 | 3.54 | 3.52 | 3.21 | 3.54 | 3.70 |
growth-% | 2.5 % | 91.8 % | 44.0 % | 75.3 % | -0.7 % | -8.9 % | 10.5 % | 4.5 % |
Dividend | 0.30 | 0.50 | 0.40 | 1.00 | 1.14 | 1.23 | 1.32 | 1.29 |
Dividend ratio | 29.0 % | 22.6 % | 21.7 % | 30.1 % | 32.2 % | 38.0 % | 36.8 % | 35.0 % |
Profitability and return on capital
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Cost to income-% | 46.5 % | 41.7 % | 50.6 % | 36.6 % | 35.3 % | 38.7 % | ||
ROA | 0.8 % | 1.4 % | 1.0 % | 1.6 % | 1.5 % | 1.3 % | 1.3 % | 1.3 % |
ROE | 9.1 % | 17.6 % | 14.5 % | 24.3 % | 20.2 % | 16.2 % | 16.1 % | 15.1 % |
ROE tangible | 9.4 % | 18.0 % | 14.8 % | 24.9 % | 20.7 % | 16.7 % | 16.5 % | |
Dividend yield | 2.8 % | 2.9 % | 2.2 % | 4.7 % | 5.7 % | 6.2 % | 6.6 % | 6.5 % |
Valuation
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Share price (EUR) | 10.60 | 17.10 | 18.62 | 21.25 | 20.00 | 20.00 | 20.00 | 20.00 |
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 | 661.5 | 661.5 | 661.5 | 661.5 |
Enterprise value | 4,080.0 | 5,285.6 | 5,733.7 | 7,122.5 | 7,135.9 | 7,515.2 | 7,883.0 | 8,202.0 |
P/E (adj.) | 14.5 | 12.2 | 9.2 | 6.0 | 5.7 | 6.2 | 5.6 | 5.4 |
P/B | 0.9 | 1.3 | 1.5 | 1.3 | 1.1 | 1.0 | 0.9 | 0.8 |
P/B tangible | 0.92 | 1.31 | 1.57 | 1.33 | 1.08 | 0.97 | 0.88 | - |
Dividend yield | 2.8 % | 2.9 % | 2.2 % | 4.7 % | 5.7 % | 6.2 % | 6.6 % | 6.5 % |
Common equity-% (CET1) | 15.9 % | 15.5 % | 13.3 % | 14.9 % | 19.7 % | 20.7 % | 21.9 % | |
Equity ratio | 8.1 % | 7.5 % | 6.1 % | 7.1 % | 7.8 % | 8.1 % | 8.5 % | 8.9 % |
Quarter data
Q1/23 | Q2/23 | Q3/23 | Q4/23 | 2023 | Q1/24e | Q2/24e | Q3/24e | Q4/24e | |
---|---|---|---|---|---|---|---|---|---|
Operating income | 50.7 | 63.2 | 66.0 | 67.2 | 247.1 | 71.4 | 65.4 | 63.2 | 63.5 |
EBIT | 23.3 | 38.7 | 40.5 | 35.5 | 138.0 | 36.6 | 36.1 | 38.0 | 36.5 |
Net income | 18.7 | 30.9 | 32.3 | 28.1 | 110.0 | 29.2 | 28.9 | 30.4 | 29.2 |
EPS (adj.) | 0.61 | 0.93 | 1.01 | 1.00 | 3.54 | 0.87 | 0.86 | 0.91 | 0.87 |
ShowingAll content types
Resolutions of Oma Savings Bank Plc’s Annual General Meeting
Oma Savings Bank Plc: Manager´s Transactions – Sarianna Liiri
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