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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
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
Q4 results met expectations, with comparable profit before taxes at EUR 17.2 million and operating expenses down 5.7%.
Full year 2025 profit before taxes was EUR 56.9 million, with earnings per share at EUR 1.37 and return on equity at 7.6%.
Customer satisfaction improved, with the net promoter score rising to 40 at year-end.
Profit before taxes for 2025 was down 34% year-over-year; comparable profit before taxes was EUR 56.9 million.
Financial highlights
Net interest income for Q4 decreased by 26.3% year-over-year to EUR 37.5 million due to a decline in the loan portfolio and market interest rates.
Net fee and commission income increased by 1.6% to EUR 13.3 million in Q4, supported by higher fees from lending, fund savings, and payment transactions.
Impairment losses on financial assets in Q4 decreased by 26.2% to EUR 5.6 million.
Total assets at year-end were EUR 7.5 billion.
Operating expenses decreased to EUR 30.5 million in Q4, down from EUR 32.4 million year-over-year.
Outlook and guidance
For 2026, net interest income is expected to decrease 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 include ROE over 14%, cost/income ratio below 50%, annual fee and commission income growth over 10%, NPS over 50, and CET1 at least +2 percentage points over regulatory requirement.
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Next Oma Säästöpankki earnings date
Q1 20267 May, 2026
Oma Säästöpankki
Next Oma Säästöpankki earnings date
Q1 20267 May, 2026
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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.
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