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Oma Säästöpankki Oyj (OMASP.HE)
Lappeenranta, FI
Operating as a savings bank in Finland, Oma Säästöpankki Oyj delivers comprehensive financial services to a broad client base. Its customers include private individuals, small and medium-sized businesses, and professionals within the agriculture and forestry sectors. The bank offers a wide array of financial instruments, encompassing various account types, payment cards, and a diverse range of loan products such as mortgages, vehicle finance, renovation, student, and business loans, in addition to guarantee offerings. Furthermore, clients can benefit from savings and investment vehicles, asset management expertise, payment solutions, insurance coverage, and brokerage services. Advisory support, both legal and general, is also available, all accessible through robust mobile and online banking channels. Established in 2009, Oma Säästöpankki Oyj maintains its headquarters in Lappeenranta and operates a network of 32 branches across Finland.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.34% | -1.84% | -7.12% | -7.56% | +8.50% | -5.63% | +31.17% | -38.47% | -3.37% | +64.20% | +64.20% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth-21.7% Q1'26: -23.2% (vs Q1'25)
-
EPS growth-33.7% Q1'26: +371.4% (vs Q1'25)
-
FCF margin— Q1'26: +6.8% (vs Q1'25)
-
EBIT margin— Q1'26: +21.0% (vs Q1'25)
-
ROIC— Q1'26: +1.8% (vs Q1'25)
-
Share dilution+0.0% Q1'26: -3.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 40.94× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
83.13M
est: 78.40M (+6.0%)
|
99.07M
est: 92.40M (+7.2%)
|
116.90M
est: 106.00M (+10.3%)
|
152.69M
est: 117.00M (+30.5%)
|
161.39M
est: 145.01M (+11.3%)
|
372.65M
est: 198.71M (+87.5%)
|
406.82M
est: 271.55M (+49.8%)
|
318.54M
est: 223.60M (+42.5%)
|
197.76M
197.76M – 197.76M
-11.6% YoY
|
214.68M
214.68M – 214.68M
+8.6% YoY
|
226.60M
220.15M – 233.05M
+5.5% YoY
|
220.11M
220.11M – 220.11M
-2.9% YoY
|
| EBITDA |
27.96M
est: 32.31M (-13.4%)
|
38.29M
est: 38.08M (+0.6%)
|
43.63M
est: 43.68M (-0.1%)
|
93.58M
est: 48.21M (+94.1%)
|
76.81M
est: 59.76M (+28.5%)
|
146.53M
est: 74.55M (+96.5%)
|
83.44M
est: 101.88M (-18.1%)
|
60.11M
est: 83.89M (-28.3%)
|
74.19M
74.19M – 74.19M
-11.6% YoY
|
80.54M
80.54M – 80.54M
+8.6% YoY
|
85.01M
82.59M – 87.43M
+5.5% YoY
|
82.58M
82.58M – 82.58M
-2.9% YoY
|
| EBIT |
24.98M
est: 29.02M (-13.9%)
|
32.68M
est: 34.20M (-4.4%)
|
37.71M
est: 39.23M (-3.9%)
|
83.27M
est: 43.31M (+92.3%)
|
69.23M
est: 53.67M (+29.0%)
|
138.05M
est: 67.12M (+105.7%)
|
74.59M
est: 91.73M (-18.7%)
|
51.23M
est: 75.53M (-32.2%)
|
66.80M
66.80M – 66.80M
-11.6% YoY
|
72.52M
72.52M – 72.52M
+8.6% YoY
|
76.54M
74.36M – 78.72M
+5.5% YoY
|
74.35M
74.35M – 74.35M
-2.9% YoY
|
| Net Income |
20.20M
est: 28.10M (-28.1%)
|
27.58M
est: 30.11M (-8.4%)
|
30.82M
est: 28.27M (+9.0%)
|
66.16M
est: 77.95M (-15.1%)
|
55.38M
est: 65.44M (-15.4%)
|
110.05M
est: 86.79M (+26.8%)
|
59.55M
est: 68.92M (-13.6%)
|
39.48M
est: 41.49M (-4.8%)
|
43.34M
43.34M – 43.34M
+4.5% YoY
|
58.10M
58.10M – 58.10M
+34.1% YoY
|
66.51M
66.51M – 66.51M
+14.5% YoY
|
53.12M
53.12M – 53.12M
-20.1% YoY
|
| SGA |
5.07M
est: 2.82M (+79.5%)
|
4.66M
est: 3.33M (+39.9%)
|
4.29M
est: 3.82M (+12.3%)
|
4.13M
est: 4.21M (-2.1%)
|
5.17M
est: 5.22M (-1.0%)
|
15.23M
est: 8.15M (+86.9%)
|
17.69M
est: 11.14M (+58.9%)
|
19.64M
est: 9.17M (+114.2%)
|
8.11M
8.11M – 8.11M
-11.6% YoY
|
8.81M
8.81M – 8.81M
+8.6% YoY
|
9.29M
9.03M – 9.56M
+5.5% YoY
|
9.03M
9.03M – 9.03M
-2.9% YoY
|
| EPS |
0.78
est: 0.84 (-7.1%)
|
0.93
est: 0.90 (+3.3%)
|
1.04
est: 0.85 (+23.1%)
|
2.22
est: 2.33 (-4.7%)
|
1.85
est: 1.96 (-5.4%)
|
3.49
est: 2.59 (+34.5%)
|
1.80
est: 2.06 (-12.6%)
|
1.19
est: 1.24 (-4.0%)
|
1.30
1.30 – 1.30
+4.5% YoY
|
1.74
1.74 – 1.74
+34.1% YoY
|
1.99
1.99 – 1.99
+14.5% YoY
|
1.59
1.59 – 1.59
-20.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-07 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-06 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-05 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-04 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-30 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-29 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-27 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-24 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.12% | 106.6K | 0.38% |
| 2 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.12% | 106.6K | 0.38% |
| 3 | WisdomTree International SmallCap Dividend Fund DLS | 0.06% | 602.8K | 0.58% |
| 4 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.05% | 224.7K | 0.48% |
| 5 | Dimensional - International Vector Equity ETF DXIV | 0.00% | 6.2K | 0.53% |
| 6 | Dimensional - International Small Cap Value ETF DISV | 0.00% | 134.3K | 0.42% |
| 7 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 106.5K | 0.28% |
| 8 | Dimensional - International Small Cap ETF DFIS | 0.00% | 19.6K | 0.39% |
| 9 | Avantis International Equity ETF AVDE | 0.00% | 21.4K | 0.23% |
| 10 | Dimensional - International Core Equity Market ETF DFAI | 0.00% | — | 0.18% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Karri Alameri CEFA | Chief Executive Officer | 723.0K | male |
| Sarianna Liiri | Deputy Chief Executive Officer, Chief Financial Officer & Chief Administrative Officer | 548.0K | female |
| Markus Lauri | Interim Head of Service Network | — | — |
| Pirjetta Soikkeli | Chief Communications Officer | — | female |
| Sasu Sihvonen | Chief Risk Officer | — | male |
| Hanna Sirkia | Chief Legal Officer | — | female |
| Ville Rissanen | Chief Digital Information Officer | — | male |
| Kalle Virtanen | Chief Operating Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for OMASP.HE
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
