1. Finland Stocks

  2. •

    Finance

  3. •

    Regional banks
Oma Savings Bank Plc

Oma Savings Bank Plc

17.26
EUR
-0.04
(-0.23%)
1.27EPS
9.05P/E
382.31MMarket Cap
Nov 05Next Earn
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.84
2.04
2.48
2.96
3.15
3.78
4.97
4.82
7.84
8.16
6.68
6.33
Basic EPS, GAAP
0.5
0.54
0.82
0.78
0.93
1.04
2.22
1.85
3.49
1.8
1.19
1.27
Free Cash Flow per Basic Share
1.87
-2.57
9.15
-10.44
-7.32
-4.78
-15.98
-4.29
-18.53
5.72
11.5
11.79
Dividend per Share
0.02
0.05
0.05
0.08
0.14
- -
0.43
0.5
0.42
1
0.36
- -
Book Value per Share
6.83
7.44
8.14
9.79
10.79
11.93
13.38
12.16
16.36
17.38
18.64
18.78
Tangible Book Value per Share
6.71
7.29
7.92
9.62
10.48
11.56
13.04
11.87
15.95
16.42
17.3
17.24
Basic Weighted Avg Shares
30
30
30
26
30
30
30
30
32
33
33
33
Sales/Revenue/Turnover
54
60
73
77
93
112
148
144
247
270
222
211
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
3
3
3
6
6
10
8
8
9
9
9
Net Income, GAAP
15
16
24
20
28
31
66
55
110
60
39
42
Effective Tax Rate (%)
19.77
22.16
20.71
18.63
16
18.71
20.44
20
20.28
20.17
19.84
19.6
Profit Margin (%)
27.19
26.59
32.94
26.4
29.58
27.54
44.73
38.34
44.52
22.03
17.81
20.11
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
186
373
764
742
960
1,362
1,779
2,126
3,035
2,801
2,789
2,628
Total Equity
202
221
241
290
320
353
401
365
541
576
619
623
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
3.27
3.04
1.97
2.4
2.07
3.39
2.37
3.63
1.71
1.16
1.28
Return on Common Equity (%)
- -
7.6
10.51
7.62
9.06
9.17
17.55
14.47
24.29
10.66
6.61
7.03

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
33
33
33
Market Capitalization
405
402
382

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
941
870
924
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.61%
13.32%
7.41%
Free Cash Flow
-46.19%
97.2%
101.59%
Net Income, GAAP
20.87%
23.49%
-33.7%
Sales/Revenue/Turnover
17.11%
18.46%
-18%
Total Cash Common Dividend
- -
- -
-63.98%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
74
67
64
64
270
2025
60
59
- -
49
222
2026
51
52
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.6
0.1
0.55
0.54
1.8
2025
0.07
0.44
- -
0.3
1.19
2026
0.33
0.2
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1
2025
- -
- -
- -
- -
0.36
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Karri Arne Olavi Alameri
Full Time Employees
642
Sector
Finance
Industry
Regional banks
Address
Valtakatu 32 Lappeenranta SK Finland 53100
IPO Date
Nov 30, 2018
Website
omasp.fi
Similar Companies
ICICI Bank Limited (NSE:ICICIBANK)
State Bank of India (NSE:SBIN)
Nu Holdings Ltd. (NYSE:NU)
Sberbank (MOEX:SBER)
Akbank T.A.S. (BIST:AKBNK)
PT Bank Rakyat Indonesia (Persero) Tbk Class B (IDX:BBRI)
Business
Oma Säästöpankki Oyj (OmaSp) operates as a Finnish savings bank focused primarily on retail banking, providing a broad range of banking services to private customers, small and medium-sized enterprises (SMEs), and agriculture and forestry entrepreneurs through its own balance sheet and as an intermediary for partners' products including credit, investment, and loan insurance offerings; it also engages in mortgage banking operations. The bank offers current, savings, rent security deposit, ASP, and corporate accounts; time deposits; credit and debit cards including independent Visa card issuance; cashier, payment, invoice, and money transfer services; corporate netbanking and digital trading platforms; mortgage, student, renovation, business, car, and consumer loans with credit facilities; bank guarantees; commercial guarantee products; financial services for business and investment financing; savings and investment products; insurance; asset management; legal advisory services; corporate pension insurance; and inheritance and family law services. OmaSp serves over 200,000 customers nationwide through 48 branches and comprehensive digital channels with around 500 employees. Founded in 2008 through the merger of Töysän Säästöpankki and Kuortaneen Säästöpankki—tracing roots to savings banks established as early as 1875—the bank is headquartered in Lappeenranta, Finland, and listed on Nasdaq Helsinki. Recent developments include the completion of its acquisition of Handelsbanken's Finnish SME operations on September 1, 2024, adding approximately 10,000 customers, EUR 440 million in deposits, and EUR 500 million in lending along with 30 employees to bolster its corporate banking presence; expansions into new branches in Vantaa, Vaasa, and Kuopio during 2024; the merger with Liedon Säästöpankki in early 2023; a directed share issue to personnel resolved by the Board in November 2025; and the suspension of its IRB application process announced in November 2024 following a strategic re-evaluation.