Oma Saastopankki Oyj
Oma Säästöpankki Oyj provides banking products and services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland. The company provides current, savings, rent security deposit, ASP, and corporate accounts; time deposits; credit and debit cards; cashier and payment services; invoice and payment transaction services; and money services, corp… Read more
Oma Saastopankki Oyj (OMASP) - Net Assets
Latest net assets as of June 2025: €590.74 Million EUR
Based on the latest financial reports, Oma Saastopankki Oyj (OMASP) has net assets worth €590.74 Million EUR as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€7.37 Billion) and total liabilities (€6.78 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €590.74 Million |
| % of Total Assets | 8.02% |
| Annual Growth Rate | 12.34% |
| 5-Year Change | 62.99% |
| 10-Year Change | N/A |
| Growth Volatility | 14.4 |
Oma Saastopankki Oyj - Net Assets Trend (2015–2024)
This chart illustrates how Oma Saastopankki Oyj's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Oma Saastopankki Oyj (2015–2024)
The table below shows the annual net assets of Oma Saastopankki Oyj from 2015 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €576.14 Million | +6.49% |
| 2023-12-31 | €541.05 Million | +48.25% |
| 2022-12-31 | €364.96 Million | -9.05% |
| 2021-12-31 | €401.29 Million | +13.52% |
| 2020-12-31 | €353.49 Million | +10.51% |
| 2019-12-31 | €319.86 Million | +10.17% |
| 2018-12-31 | €290.33 Million | +20.23% |
| 2017-12-31 | €241.48 Million | +9.23% |
| 2016-12-31 | €221.07 Million | +9.37% |
| 2015-12-31 | €202.13 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Oma Saastopankki Oyj's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 466.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €394.23 Million | 68.43% |
| Common Stock | €24.00 Million | 4.17% |
| Other Components | €157.91 Million | 27.41% |
| Total Equity | €576.14 Million | 100.00% |
Oma Saastopankki Oyj Competitors by Market Cap
The table below lists competitors of Oma Saastopankki Oyj ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Porter Holding International Inc
PINK:ULNV
|
$297.19 Million |
|
GBank Financial Holdings Inc. Common Stock
OTCQX:GBFH
|
$297.20 Million |
|
Anhui Wantong Technology Co Ltd
SHE:002331
|
$297.22 Million |
|
Climb Global Solutions
NASDAQ:CLMB
|
$297.34 Million |
|
Shaanxi Panlong Pharmaceutical Group Limited By Share Ltd Class A
SHE:002864
|
$296.99 Million |
|
Tubacex S.A
MC:TUB
|
$296.98 Million |
|
BTS Group AB (publ)
OTCGREY:BGPBF
|
$296.77 Million |
|
Shenmao Technology Inc
TW:3305
|
$296.69 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Oma Saastopankki Oyj's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 541,052,000 to 576,143,000, a change of 35,091,000 (6.5%).
- Net income of 59,548,000 contributed positively to equity growth.
- Dividend payments of 33,139,000 reduced retained earnings.
- Share repurchases of 201,000 reduced equity.
- Other comprehensive income decreased equity by 148,822,000.
- Other factors increased equity by 157,705,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €59.55 Million | +10.34% |
| Dividends Paid | €33.14 Million | -5.75% |
| Share Repurchases | €201.00K | -0.03% |
| Other Comprehensive Income | €-148.82 Million | -25.83% |
| Other Changes | €157.71 Million | +27.37% |
| Total Change | €- | 6.49% |
Book Value vs Market Value Analysis
This analysis compares Oma Saastopankki Oyj's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.71x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.78x to 0.71x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | €6.83 | €12.18 | x |
| 2016-12-31 | €7.44 | €12.18 | x |
| 2017-12-31 | €8.13 | €12.18 | x |
| 2018-12-31 | €11.21 | €12.18 | x |
| 2019-12-31 | €10.79 | €12.18 | x |
| 2020-12-31 | €11.93 | €12.18 | x |
| 2021-12-31 | €13.33 | €12.18 | x |
| 2022-12-31 | €12.06 | €12.18 | x |
| 2023-12-31 | €17.06 | €12.18 | x |
| 2024-12-31 | €17.22 | €12.18 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Oma Saastopankki Oyj utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.34%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.64%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 13.38x
- Recent ROE (10.34%) is below the historical average (11.14%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 7.31% | 23.64% | 0.03x | 9.56x | €-5.43 Million |
| 2016 | 7.29% | 23.69% | 0.03x | 9.77x | €-5.97 Million |
| 2017 | 10.06% | 29.98% | 0.03x | 11.33x | €137.40K |
| 2018 | 6.98% | 24.30% | 0.03x | 10.07x | €-8.76 Million |
| 2019 | 8.64% | 27.84% | 0.03x | 10.70x | €-4.35 Million |
| 2020 | 8.73% | 26.37% | 0.03x | 12.41x | €-4.48 Million |
| 2021 | 16.51% | 43.33% | 0.03x | 13.41x | €26.08 Million |
| 2022 | 15.17% | 34.32% | 0.03x | 16.28x | €18.89 Million |
| 2023 | 20.34% | 29.53% | 0.05x | 14.13x | €55.95 Million |
| 2024 | 10.34% | 14.64% | 0.05x | 13.38x | €1.93 Million |
Industry Comparison
This section compares Oma Saastopankki Oyj's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $223,174,333
- Average return on equity (ROE) among peers: 10.61%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Oma Saastopankki Oyj (OMASP) | €590.74 Million | 7.31% | 11.47x | $297.09 Million |
| Aktia Bank Abp (AKTIA) | $383.69 Million | 9.91% | 23.86x | $499.45 Million |
| Alandsbanken Abp B (ALBBV) | $233.63 Million | 8.86% | 21.91x | $518.42 Million |
| Alisa Pankki Oyj (ALISA) | $52.20 Million | 13.05% | 8.39x | $15.10 Million |