Oma Säästöpankki
18.88 EUR +2.61%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.
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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 | 27.02.2024 | 29,227EUR |
Jarmo Salmi | 26.02.2024 | 10,355EUR |
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Income statement
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Operating income | 111.1 | 156.6 | 144.4 | 247.1 | 266.1 | 251.2 | 267.2 | 282.5 |
growth-% | 20.0 % | 41.0 % | -7.8 % | 71.1 % | 7.7 % | -5.6 % | 6.4 % | 5.7 % |
Operating expenses | -51.7 | -65.3 | -73.1 | -90.6 | -90.4 | -95.5 | -98.2 | -102.2 |
Credit loss | -21.6 | -7.3 | -1.7 | -17.1 | -39.0 | -20.2 | -20.2 | -19.9 |
EBIT (adj.) | 26.7 | 53.1 | 75.9 | 143.5 | 134.9 | 133.3 | 146.6 | 158.3 |
EBIT | 37.7 | 83.3 | 69.2 | 138.0 | 136.1 | 134.9 | 148.2 | 159.9 |
Net income | 30.7 | 66.2 | 55.4 | 110.0 | 108.8 | 107.8 | 118.5 | 127.8 |
EPS (adj.) | 0.73 | 1.40 | 2.02 | 3.54 | 3.26 | 3.22 | 3.54 | 3.83 |
growth-% | 2.5 % | 91.8 % | 44.0 % | 75.3 % | -8.0 % | -1.2 % | 10.0 % | 8.0 % |
Dividend | 0.30 | 0.50 | 0.40 | 1.00 | 1.14 | 1.23 | 1.32 | 1.35 |
Dividend ratio | 29.0 % | 22.6 % | 21.7 % | 30.1 % | 34.8 % | 37.8 % | 36.8 % | 35.0 % |
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Profitability and return on capital
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Cost to income-% | 46.5 % | 41.7 % | 50.6 % | 36.6 % | 34.0 % | 38.0 % | 36.7 % | 36.2 % |
ROA | 0.8 % | 1.4 % | 1.0 % | 1.6 % | 1.4 % | 1.3 % | 1.3 % | 1.4 % |
ROE | 9.1 % | 17.6 % | 14.5 % | 24.3 % | 18.8 % | 16.5 % | 16.3 % | 15.8 % |
ROE tangible | 9.4 % | 18.0 % | 14.8 % | 24.9 % | 19.3 % | 17.0 % | 16.7 % | 16.2 % |
Dividend yield | 2.8 % | 2.9 % | 2.2 % | 4.7 % | 6.1 % | 6.5 % | 7.0 % | 7.2 % |
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Valuation
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Share price (EUR) | 10.60 | 17.10 | 18.62 | 21.25 | 18.88 | 18.88 | 18.88 | 18.88 |
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 | 624.4 | 624.4 | 624.4 | 624.4 |
Enterprise value | 4,080.0 | 5,285.6 | 5,733.7 | 7,122.5 | 7,107.6 | 7,486.5 | 7,854.2 | 8,167.8 |
P/E (adj.) | 14.5 | 12.2 | 9.2 | 6.0 | 5.8 | 5.9 | 5.3 | 4.9 |
P/B | 0.9 | 1.3 | 1.5 | 1.3 | 1.0 | 0.9 | 0.8 | 0.7 |
P/B tangible | 0.92 | 1.31 | 1.57 | 1.33 | 1.04 | 0.93 | 0.84 | 0.75 |
Dividend yield | 2.8 % | 2.9 % | 2.2 % | 4.7 % | 6.1 % | 6.5 % | 7.0 % | 7.2 % |
Common equity-% (CET1) | 15.9 % | 15.5 % | 13.3 % | 14.9 % | 19.4 % | 20.4 % | 21.6 % | 23.0 % |
Equity ratio | 8.1 % | 7.5 % | 6.1 % | 7.1 % | 7.7 % | 8.0 % | 8.4 % | 8.9 % |
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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 | 65.3 | 63.2 | 63.4 |
EBIT | 23.3 | 38.7 | 40.5 | 35.5 | 138.0 | 25.6 | 36.1 | 38.0 | 36.5 |
Net income | 18.7 | 30.9 | 32.3 | 28.1 | 110.0 | 20.5 | 28.8 | 30.4 | 29.1 |
EPS (adj.) | 0.61 | 0.93 | 1.01 | 1.00 | 3.54 | 0.62 | 0.86 | 0.91 | 0.87 |
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Oma Savings Bank Plc: Resolutions of the organizing meeting of Board of Directors
Resolutions of Oma Savings Bank Plc’s Annual General Meeting
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