Oma Savings Bank PLC is a Finnish savings bank. The company focuses predominantly on retail banking operations and provides its clients with a broad range of banking services. The products offered by the company include credit, investment, online banking, and loan insurance among others. It is also engaged in mortgage banking operations.

Financial Strength

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.26
Equity-to-Asset	0.07
Debt-to-Equity	5.6
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.58	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	27.2
	3-Year EPS without NRI Growth Rate	47.2
	3-Year FCF Growth Rate	-56.8
	3-Year Book Growth Rate	11.1

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	47.8
	9-Day RSI	42.26
	14-Day RSI	39.48
	6-1 Month Momentum %	-27.85
	12-1 Month Momentum %	-20.17

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.83
	Dividend Payout Ratio	0.2
	Forward Dividend Yield %	4.83
	5-Year Yield-on-Cost %	4.79
	3-Year Average Share Buyback Ratio	-3.8
	Shareholder Yield %	-100.32

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	41.21
	FCF Margin %	-55.64
	ROE %	22.42
	ROA %	1.52
	Years of Profitability over Past 10-Year	9

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	4.12
	PE Ratio without NRI	4.12
	PEG Ratio	0.45
	PS Ratio	1.7
	PB Ratio	0.87
	Price-to-Tangible-Book	0.9
	EV-to-Revenue	9.74
	EV-to-FCF	-17.58
	Price-to-Peter-Lynch-Fair-Value	0.51
	Price-to-Graham-Number	0.41
	FCF Yield %	-33
	Forward Rate of Return (Yacktman) %	-60.25

GF Value: €29.29

FRA:OM0

Warning Signs

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