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Oma Säästöpankki

13.04 EUR

-1.06 %

6,735 following
Corporate customer

OMASP

NASDAQ Helsinki

Banks

Financials

-1.06 %
+6.89 %
+9.40 %
+12.03 %
+49.03 %
+13.39 %
-30.93 %
+22.44 %
+82.38 %

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
434.71M EUR
Turnover
103.72K EUR
P/E (adj.) (25e)
10.31
ROE-% (25e)
6.53 %
P/B (25e)
0.7
EV/S (25e)
12.84
Dividend yield-% (25e)
2.7 %
Coverage
Recommendation
Reduce
Target price
10.00 EUR
Updated
04.11.2025
Disclaimer
Kasper Mellas
Kasper Mellas

Analyst

Latest research

Latest analysis report

Released: 03.08.2021

Operating income and EBIT-%

Operating income M

EBIT-% (adj.)

EPS and dividend

EPS (adj.)

Dividend %

Financial calendar
12.2
2026

Annual report '25

16.4
2026

General meeting '26

7.5
2026

Interim report Q1'26

Risk
Business risk
Valuation risk
Low
High
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Analyst Comment by
Sauli Vilén, Kasper Mellas

The financial sector will rank top positions on dividend lists also next spring

For financial companies, 2025 has been very positive in terms of the operating environment, with strong capital market development and stabilized interest rates. However, the performance of the companies has been varying, and many companies we follow have suffered particularly from the subdued development of alternative investment returns (new sales and performance fees).

Aktia PankkiOma SäästöpankkiAlisa PankkiNordea BankSampoMandatumAlexandria GroupTaaleriEvlieQUnited BankersCapManTitanium
Forum discussions
The old wisdoms and facts from the banking sector have always held true. It is regrettable that Omasp’s board failed to grasp this, instead allowing management free rein to boast about their success and their customer-centric, effective operating model, which consequently attracted...
12/12/2025, 1:35 PM
by Westend
15
The annual reports of the five largest owner foundations of Oma SP have now been unearthed, revealing that the foundations had agreed among themselves on a 10 million euro protection commitment for the bank’s board. The full article, with the original foundation annual reports available...
12/18/2025, 10:11 PM
13
Quite a lot seems to be turning up from that nest. I wonder if the foundations have acted in accordance with their rules and the Foundations Act when they granted the bank’s board members massive indemnity agreements. I don’t believe that granting such guarantees falls within the...
12/25/2025, 7:53 AM
by Westend
12
I reviewed all the foundation reports available on the site, and not a single auditor had made any remarks regarding the matter. Furthermore, it turned out that two different foundations even share the same auditor.
12/25/2025, 2:52 PM
7
It’s again now, regarding the individuals in question, that they are being prosecuted over “coins”… From memory, the deals have been small, especially when compared to the millions with which the Pasis have played “roulette” in the house in question. Liiri’s actions would also be...
12/11/2025, 3:02 PM
by Kunhalvallasaa
4
I don’t know where you calculated these from, but here are the equity ratio figures based on my own calculations at the end of 2024 (equity/total assets): Aktia 5.7 % Ålandsbanken 6.2 % OP Group 11.1 % POP Bank Group 12.1 % S-Bank 7.4 % Savings Bank Group 9.2 % Nordea 5.2 % Average...
1/15/2026, 11:37 AM
by Kasper Mellas
3
Nothing is mentioned about loan portfolio growth. Nor about customer base growth. Both are likely on a downward trend. My own estimate, as even loan payout takes two weeks and there is a 3-8-fold verification process for approval.
1/15/2026, 9:27 AM
by Kivikko
3
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