Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OMASP.HE
BUYOma Säästöpankki Oyj · Financial Services · Finland · $438M · Avg Vol: $507K/d
COMPANY DESCRIPTION
Oma Säästöpankki Oyj is the largest savings bank in Finland, focusing on retail banking, SME lending, and mortgage services. Its competitive moat is driven by a highly localized, customer-centric service model and strong regional market share in underserved areas outside major metropolitan hubs. The bank is characterized by its industry-leading cost-efficiency and consistent organic and inorganic growth.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 164.5M | 281.5M | 307.9M | 252.5M | 15.3% | 199.9M | 228.6M | 239.9M | -2.5% |
| EPS | 2.11 | 3.97 | 2.05 | 1.36 | -13.7% | 1.64 | 1.27 | 1.33 | -1.1% |
| Shares | 30.2M | 33.3M | 33.3M | 33.3M | +10.6% | 33.2M | — | — | — |
| Debt | 2.4B | 3.5B | 3.2B | 3.2B | 9.5% | 3.1B | — | — | — |
| Equity | 415.7M | 616.2M | 656.2M | 704.8M | 19.2% | — | — | — | — |
| Op CF | -142.6M | -658.2M | 224.9M | 455.4M | 102.5% | 465.8M | — | — | — |
| Inv CF | -4.6M | -11.2M | -90.3M | -20.8M | — | — | — | — | — |
| Fin CF | 410.2M | 1.1B | -357.0M | -18.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OMASP.HE are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OMASP.HE | Oma Säästöpankki Oyj(you) | $438M | 67 | BUY |
| ALBBV.HE | Ålandsbanken Abp | $762M | 38 | HOLD |
| AKTIA.HE | Aktia Pankki Oyj | $949M | 19 | STRONG SELL |
| NDA-DK.CO | Nordea Bank Abp | $62.7B | 66 | BUY |
| TAALA.HE | Taaleri Oyj | $231M | 64 | HOLD |
| EQV1V.HE | eQ Oyj | $465M | 49 | HOLD |
| EVLI.HE | Evli Oyj | $727M | 81 | STRONG BUY |
| UNITED.HE | United Bankers Oyj | $259M | 53 | HOLD |
| TITAN.HE | Titanium Oyj | $77M | 62 | HOLD |
| ALEX.HE | Alexandria Group Oyj | $164M | 96 | STRONG BUY |
Peer medians: ROE 16.8% · P/E 15.8x · Gross margin 41.0%