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Oma Säästöpankki Oyj (OMASP) Fair Value & Analysis

Financial Services · FI · Market cap €411M

Price€11.56
Fair Value€15.45
Upside+33.7%
Quality95/100
Evidence: High Range €11.59 – €19.31

Analysis

Oma Säästöpankki Oyj (OMASP) currently trades at €11.56, while our model-based Fair Value estimate is €15.45 — implying the stock looks roughly 33.7% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Oma Säästöpankki Oyj provides banking services, saving and investment solutions, and financial services in Finland. The company offers current, savings, and corporate accounts; deposit guarantees; debit and credit cards; secure banking services; currency services; digital services; cash handling services; and cashier services. Its loan portfolio includes mortgages, student, home improvement, and car loans. The company also provides wealth management services and assistance with inheritance and family law matters, and payment transaction services. It serves private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs. The company was incorporated in 2008 and is headquartered in Lappeenranta, Finland.

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How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.