Oma Säästöpankki Oyj Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 11, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	416	351	703	559	512	314
Market Cap Growth	9.58%	-50.03%	25.76%	9.10%	63.38%	19.37%
Last Close Price	12.54	10.16	19.42	16.67	14.90	8.96
PE Ratio	8.83	5.90	6.39	10.09	7.74	10.17
PS Ratio	2.30	1.95	3.07	3.97	4.46	3.50
PB Ratio	0.69	0.61	1.30	1.53	1.28	0.89
P/FCF Ratio	0.84	0.82	-	-	-	-
P/OCF Ratio	0.81	0.81	-	-	-	-
Debt / Equity Ratio	4.79	5.27	5.93	6.52	4.98	4.51
Debt / FCF Ratio	5.83	7.12	-	-	-	-
Net Debt / Equity Ratio	3.34	3.92	4.21	5.16	4.28	3.55
Net Debt / FCF Ratio	4.06	5.31	-7.71	-5.43	-2.22	-2.42
Return on Equity (ROE)	8.13%	10.66%	24.29%	14.46%	17.55%	9.11%
Return on Assets (ROA)	0.62%	0.78%	1.62%	0.98%	1.36%	0.79%
Earnings Yield	11.36%	16.95%	15.66%	9.91%	12.91%	9.83%
FCF Yield	119.57%	121.29%	-41.99%	-62.08%	-151.14%	-165.36%
Dividend Yield	2.87%	3.54%	3.45%	2.40%	2.01%	2.68%
Payout Ratio	25.24%	55.65%	8.08%	27.10%	19.20%	-
Buyback Yield / Dilution	-0.63%	-5.48%	-4.80%	-0.64%	-1.65%	-
Total Shareholder Return	2.19%	-1.94%	-1.35%	1.76%	0.37%	2.68%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.