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Oma Säästöpankki

11.54 EUR

-0.69 %

6,688 following

OMASP

NASDAQ Helsinki

Banks

Financials

Overview
Financials & Estimates
Dividend
Investor consensus
Compare
-0.69 %
-1.54 %
-5.25 %
-5.41 %
+6.65 %
+36.57 %
-41.48 %
-3.03 %
+61.40 %

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
384.94M EUR
Turnover
34.79K EUR
P/E (adj.) (26e)
9.01
ROE-% (26e)
6.2 %
P/B (26e)
0.6
EV/S (26e)
13.57
Dividend yield-% (26e)
5.1 %
Coverage
Recommendation
Reduce
Target price
12.00 EUR
Updated
07.05.2026
Disclaimer
Kasper Mellas
Kasper Mellas

Analyst

Latest research

Latest analysis report

Released: 08.05.2026

Latest extensive report

Released: 23.04.2026

Revenue and EBIT-%
EPS and dividend
Financial calendar
Risk
Business risk
Valuation risk
Low
High
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Forum discussions
I think this is a very good comment, and in general terms, that is how it should go. However, in the case of OmaSp, I believe we are seeing a combination of both a general failure in risk management and completely reckless lending related to specific customer entities. This latter...
6/11/2026, 4:12 PM
29
This is indeed how a somewhat normal credit granting process should go, but at this point, it’s worth remembering how OmaSp was formed. Behind OmaSp are over a dozen formerly independent savings and cooperative banks, all of which had their own corporate cultures. That culture doesn...
6/12/2026, 1:32 PM
14
I have to add my own two cents to this discussion about OmaSp’s lending mess. I personally took out a loan for my company from OmaSp exactly during that period of Sydänlammi’s rapid growth. The loan was for real estate investments, and the amounts were a few hundred thousand. We ...
6/12/2026, 5:51 AM
by Leroy
14
I feel like the difference between you and Sarajärvi and Kotamäki might have been that you didn’t conduct an underpriced private placement from your company to investment firms owned by Little-Pasi or Big-Pasi. With that, you would have secured a 150% financing rate plus a debt restructuri...
6/12/2026, 6:37 PM
by Virtuaali
11
In addition, there is common empirical evidence that OmaSp’s lending has generally been—if not reckless—at least generous. These individual client cases linked to malpractice are only the most visible part of the mess.
6/11/2026, 4:57 PM
by Kanye_Cash
10
I followed the public appearance of these so-called bank managers from the very beginning, and generally, their attitude was one of smug grins and pure arrogance. They rode around on Harleys and wouldn’t greet anyone, not even their neighbors in the residential area. It begs the ...
6/12/2026, 6:24 PM
by Lohav
7
In the heat of aggressive growth, there was no desire to maintain normal risk management. The main priority was growing faster than the competitors. The board didn’t seem to understand the risks of rapid growth, and the management apparently didn’t care, instead choosing to boast...
6/12/2026, 7:39 AM
by Westend
5
Read more on our forum
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

Regulatory press releaseyesterday

Oma Savings Bank Plc’s composition of Shareholders’ Nomination Committee

Oma Säästöpankki
S&P bekræftede OmaSp's kreditvurdering og fandt udsigterne negative
Analyst Comment6/11/2026, 6:04 AM by
Kasper Mellas

S&P bekræftede OmaSp's kreditvurdering og fandt udsigterne negative

Beslutningen er ikke overraskende, da bekymringerne vedrørende kreditporteføljens kvalitet endnu ikke er helt forbi.

Oma Säästöpankki
Regulatory press release6/10/2026, 5:45 PM

S&P Global Ratings affirmed the BBB/A-2 credit rating and maintained the negative outlook for Oma Savings Bank Plc

Oma Säästöpankki

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Regulatory press release5/27/2026, 1:00 PM

Oma Savings Bank Plc - Managers' transactions - Sirkiä

Oma Säästöpankki
Regulatory press release5/27/2026, 1:00 PM

Oma Savings Bank Plc - Managers' transactions - Liiri

Oma Säästöpankki
Regulatory press release5/27/2026, 1:00 PM

Oma Savings Bank Plc - Managers' transactions - Sihvonen

Oma Säästöpankki
Regulatory press release5/27/2026, 1:00 PM

Oma Savings Bank Plc - Managers' transactions - Virtanen

Oma Säästöpankki
Regulatory press release5/27/2026, 1:00 PM

Oma Savings Bank Plc - Managers' transactions - Alameri

Oma Säästöpankki
Regulatory press release5/27/2026, 1:00 PM

Oma Savings Bank Plc - Managers' transactions - Soikkeli

Oma Säästöpankki
Regulatory press release5/27/2026, 12:15 PM

Oma Savings Bank Plc's Board of Directors resolved on a direct share issue to the personnel of the company for the transfer of savings shares in the share savings plan

Oma Säästöpankki
OmaSp CMD: Markedsandelsvækst gennem personlig service
Analyst Comment5/20/2026, 6:22 AM by
Kasper Mellas

OmaSp CMD: Markedsandelsvækst gennem personlig service

Præsentationerne på kapitalmarkedsdagen belyste tiltag til at forbedre rentabiliteten og øge selskabets vækst.

Oma Säästöpankki
Oma Savings Bank's CMD 2026
Webcast5/19/2026, 10:00 AM

Oma Savings Bank's CMD 2026

Oma Säästöpankki
Mindre end forventet sanktion til OmaSp fra Finanstilsynet
Analyst Comment5/18/2026, 5:26 AM by
Kasper Mellas

Mindre end forventet sanktion til OmaSp fra Finanstilsynet

Sanktionen skyldes forsømmelser i vedligeholdelsen af insiderlister.

Oma Säästöpankki
Regulatory press release5/15/2026, 10:15 AM

Inside information: The Financial Supervisory Authority has imposed a combined penalty payment of 400 000 euros on Oma Savings Bank Plc due to failures related to maintaining insider lists

Oma Säästöpankki
Regulatory press release5/13/2026, 3:00 PM

Oma Savings Bank Plc - Managers' transactions - Ossa

Oma Säästöpankki
Regulatory press release5/13/2026, 3:00 PM

Oma Savings Bank Plc - Managers' transactions - Gillberg-Hjelt

Oma Säästöpankki
Regulatory press release5/13/2026, 3:00 PM

Oma Savings Bank Plc - Managers' transactions - Pettersson

Oma Säästöpankki
Regulatory press release5/13/2026, 3:00 PM

Oma Savings Bank Plc - Managers' transactions - Jensen

Oma Säästöpankki
Regulatory press release5/13/2026, 3:00 PM

Oma Savings Bank Plc - Managers' transactions - Riikonen

Oma Säästöpankki
Regulatory press release5/13/2026, 3:00 PM

Oma Savings Bank Plc - Managers' transactions - Volotinen

Oma Säästöpankki