Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
40.10%
EBIT Growth (5y)
18.07%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
20.02%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.64
EV to EBIT
37.29
EV to EBITDA
32.94
EV to Capital Employed
0.92
EV to Sales
7.11
PEG Ratio
NA
Dividend Yield
0.09%
ROCE (Latest)
2.47%
ROE (Latest)
10.08%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Oma Säästöpankki Oyj
Interest Earned - Quarterly
At EUR 91 MM has Grown at 63.15 %
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Interest Earned (EUR MM)
Operating Cash Flow - Annually
Highest at EUR 150.29 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (EUR MM)
Profit After Tax (PAT) - Quarterly
At EUR 20 MM has Grown at 5.5 %
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (EUR MM)
CAR - Quarterly
Highest at 16.89 %
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Oma Säästöpankki Oyj
Profit Before Tax less Other Income (PBT) - Quarterly
At EUR 6 MM has Fallen at -27.91 %
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (EUR MM)
Operating Profit (PBDIT) - Quarterly
Lowest at EUR 6 MM.
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (EUR MM)
Operating Profit Margin - Quarterly
Lowest at 6.28%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales (EUR MM)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at EUR 6 MM.
in the last five periodsMOJO Watch
Near term PBT trend is negative
PBT less Other Income (EUR MM)
Non Operating Income - Quarterly
Highest at EUR 19 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income (EUR MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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