Oma Säästöpankki
16.26 EUR -2.87%6,754 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)
5.05
ROE-% (24e)
18.47 %
P/B (24e)
0.87
Dividend yield-% (24e)
6.35 %
Target price
22.00 EUR
Recommendation
Accumulate
Updated
29.4.2024
NASDAQ Helsinki
OMASP
Daily low / high price
15.72 / 16.36
EUR
Market cap
541.06M EUR
Turnover
3.87M EUR
Volume
241K
Business risk
Valuation risk
Current
Previous
Latest research
Analyst
Kasper Mellas
Analyst
Financial calendar
Interim report
29.07.2024
Interim report
28.10.2024
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 |
---|---|---|
Jarmo Salmi | 02.05.2024 | 3,428EUR |
Aila Hemminki | 02.05.2024 | 7,632EUR |
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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 | 268.2 | 253.9 | 265.0 | 278.3 |
growth-% | 20.0 % | 41.0 % | -7.8 % | 71.1 % | 8.6 % | -5.3 % | 4.4 % | 5.0 % |
Operating expenses | -51.7 | -65.3 | -73.1 | -90.6 | -91.4 | -96.6 | -99.4 | -103.5 |
Credit loss | -21.6 | -7.3 | -1.7 | -17.1 | -42.7 | -28.2 | -26.7 | -24.7 |
EBIT (adj.) | 26.7 | 53.1 | 75.9 | 143.5 | 133.1 | 126.7 | 136.5 | 147.8 |
EBIT | 37.7 | 83.3 | 69.2 | 138.0 | 133.4 | 128.3 | 138.1 | 149.4 |
Net income | 30.7 | 66.2 | 55.4 | 110.0 | 106.8 | 102.5 | 110.3 | 119.3 |
EPS (adj.) | 0.73 | 1.40 | 2.02 | 3.54 | 3.22 | 3.06 | 3.30 | 3.57 |
growth-% | 2.5 % | 91.8 % | 44.0 % | 75.3 % | -9.1 % | -4.9 % | 7.7 % | 8.3 % |
Dividend | 0.30 | 0.50 | 0.40 | 1.00 | 1.03 | 1.08 | 1.17 | 1.26 |
Dividend ratio | 29.0 % | 22.6 % | 21.7 % | 30.1 % | 32.0 % | 35.0 % | 35.0 % | 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 % | 34.1 % | 38.0 % | 37.5 % | 37.2 % |
ROA | 0.8 % | 1.4 % | 1.0 % | 1.6 % | 1.4 % | 1.3 % | 1.3 % | 1.3 % |
ROE | 9.1 % | 17.6 % | 14.5 % | 24.3 % | 18.5 % | 15.8 % | 15.3 % | 14.9 % |
ROE tangible | 9.4 % | 18.0 % | 14.8 % | 24.9 % | 19.0 % | 16.2 % | 15.7 % | 15.3 % |
Dividend yield | 2.8 % | 2.9 % | 2.2 % | 4.7 % | 6.4 % | 6.7 % | 7.2 % | 7.8 % |
Valuation
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Share price (EUR) | 10.60 | 17.10 | 18.62 | 21.25 | 16.26 | 16.26 | 16.26 | 16.26 |
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 | 537.8 | 537.8 | 537.8 | 537.8 |
Enterprise value | 4,080.0 | 5,285.6 | 5,733.7 | 7,122.5 | 6,958.4 | 7,335.6 | 7,699.7 | 8,010.1 |
P/E (adj.) | 14.5 | 12.2 | 9.2 | 6.0 | 5.0 | 5.3 | 4.9 | 4.6 |
P/B | 0.9 | 1.3 | 1.5 | 1.3 | 0.9 | 0.8 | 0.7 | 0.6 |
P/B tangible | 0.92 | 1.31 | 1.57 | 1.33 | 0.90 | 0.81 | 0.73 | 0.66 |
Dividend yield | 2.8 % | 2.9 % | 2.2 % | 4.7 % | 6.4 % | 6.7 % | 7.2 % | 7.8 % |
Common equity-% (CET1) | 15.9 % | 15.5 % | 13.3 % | 14.9 % | 20.8 % | 21.7 % | 22.7 % | 24.0 % |
Equity ratio | 8.1 % | 7.5 % | 6.1 % | 7.1 % | 7.8 % | 8.1 % | 8.5 % | 9.0 % |
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 | 74.1 | 66.8 | 63.7 | 63.7 |
EBIT | 23.3 | 38.7 | 40.5 | 35.5 | 138.0 | 24.7 | 38.1 | 36.1 | 34.4 |
Net income | 18.7 | 30.9 | 32.3 | 28.1 | 110.0 | 19.9 | 30.5 | 28.9 | 27.5 |
EPS (adj.) | 0.61 | 0.93 | 1.01 | 1.00 | 3.54 | 0.62 | 0.91 | 0.86 | 0.82 |
ShowingAll content types
Oma Savings Bank Plc: The Finnish Financial Supervisory Authority (FIN-FSA) has made a preliminary investigation request to the police
Oma Savings Bank Plc: Manager´s Transactions – Aila Hemminki
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