Oma Sp, a domestic bank in Finland, is currently experiencing rapid growth and profitability. The bank’s interest cap pool has swelled along with the rise in market interest rates, and its loans/deposits ratio was 155% in the second quarter of 2022. Despite this, the bank’s share price has fallen by more than eight percent since the beginning of the year. This is due to several factors, including heavy asset management services and a lack of organic growth opportunities in large cities. However, the bank’s strong focus on retail banking and high-quality customer service sets it apart from other banks in the region. Additionally, Oma Sp:np/e ratio is in line with Western European banks, making it an attractive investment opportunity for those looking for a low-cost option.