)
Edge6 Feb 2026
SharkNinja: Viral by Design
How SharkNinja built a repeatable growth engine, turning overlooked appliance categories into global brands through consumer insight and iteration.
Oma Säästöpankki
Oma Säästöpankki (OMASP) investor relations material
Oma Säästöpankki Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Comparable profit before taxes for 2025 was EUR 56.9 million, with Q4 at EUR 17.2 million; both figures declined 34% and 39% year-over-year, respectively.
Full year earnings per share was EUR 1.37, and return on equity was 7.6%.
Customer satisfaction improved, with the net promoter score rising to 40 at year-end.
Net interest income declined 20.9% for the year and 26.3% in Q4, mainly due to a shrinking loan portfolio and lower market rates.
Fee and commission income increased by 1.6% in Q4 and remained stable for the year.
Financial highlights
Total operating income fell 18.0% year-over-year to EUR 221.4 million; Q4 operating income dropped 24.0%.
Operating expenses increased 10.9% for the year, but decreased 8.2% in Q4.
Personnel expenses rose 28.5% for the year and 16.8% in Q4.
Impairment losses on financial assets decreased 43% to EUR -47.1 million for the year; Q4 impairment losses were EUR -5.6 million, down 26.2%.
Total assets at year-end were EUR 7.5 billion.
Outlook and guidance
Net interest income is expected to decrease in 2026 due to lower market rates and changes in the loan portfolio.
Cost development is expected to remain stable, and impairment losses are estimated to stay lower than the previous year.
Comparable profit before taxes for 2026 is projected to decrease slightly from 2025.
New financial targets for 2026–2029: ROE over 14%, cost/income ratio below 50%, annual fee and commission income growth over 10%, NPS over 50, CET1 at least +2 percentage points over regulatory requirement.
How will NII decline be offset by new strategy?
NPE reduction plan: specific actions and timeline
Balancing personnel costs with efficiency targets?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Oma Säästöpankki earnings date
Q1 20267 May, 2026
Oma Säästöpankki
Next Oma Säästöpankki earnings date
Q1 20267 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Oma Säästöpankki Oyj is a savings bank that provides banking services to private customers, small and medium-sized enterprises and agriculture and forestry entrepreneurs. Oma Säästöpankki also offers other financial services such as bill pay solutions, leasing/financing solutions and life insurance solutions. The company was founded in 2009 and is headquartered in Lappeenranta, Finland.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage