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Bank of Saga Ltd. (JP:8395)
:8395
8395 Stock Chart & Stats
¥4300.00
¥7.00(0.32%)
At close: 4:00 PM EST
¥4300.00
¥7.00(0.32%)
Day’s Range― - ―
52-Week Range¥1,681.00 - ¥5,280.00
Previous CloseN/A
Volume31.40K
Average Volume (3M)54.99K
Market Cap
¥75.66B
Enterprise Value-¥65.69B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥78.69B
Price to Earnings (P/E)7.9
Beta1.09
Next Earnings
May 07, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.29%
Share Statistics
EPS (TTM)127.48
Shares Outstanding16,935,910
10 Day Avg. Volume40,980
30 Day Avg. Volume54,986
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.33
Price to Sales (P/S)0.75
P/FCF Ratio1.91
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Diversified Retail Banking ModelBank of Saga’s core retail and SME focus with multiple income streams (interest, fees, investment income) provides structural revenue diversification. This business mix supports steady net interest income and fee resilience across economic cycles, aiding longer-term earnings stability and customer stickiness.
Healthy Profit MarginsSustained net margin near 13.8% and healthy operating margins indicate efficient expense control and profitable lending. Margin durability supports internal cash generation for loan growth and capital needs, creating a buffer against cyclical revenue weakness and supporting long-term return generation.
Improving Leverage And Capital PositionA materially lower debt-to-equity (0.39) and a stable equity ratio reduce funding and solvency risk. Improved leverage enhances regulatory and lending flexibility, lowers interest burden, and supports lending capacity—important durable strengths for a regional bank operating in an interest-sensitive industry.
Bears Say
Negative Revenue Growth In 2025A decline in top-line growth in 2025 signals structural pressure on volume or pricing for loans and services. Persistent or recurring revenue contraction would limit scale economies, constrain margin expansion, and reduce the bank’s ability to generate incremental earnings needed to fund dividends and organic capital build.
Historical Cash-flow VolatilityVolatile operating and free cash flows complicate liquidity planning and increase reliance on external funding during stress periods. This instability can force conservative lending, hamper strategic investments, and create uncertainty around capital returns and provisioning over a multi-quarter horizon.
Moderate Return On EquityAn ROE around 6.4% is modest for a bank and suggests limited efficiency in converting equity into earnings. Over time, this constrains internal capital generation, slows equity growth, and may reduce competitiveness versus peers with higher ROE, limiting strategic reinvestment and shareholder return potential.
Bank of Saga Ltd. News
8395 FAQ
What was Bank of Saga Ltd.’s price range in the past 12 months?
Bank of Saga Ltd. lowest stock price was ¥1681.00 and its highest was ¥5280.00 in the past 12 months.
What is Bank of Saga Ltd.’s market cap?
Bank of Saga Ltd.’s market cap is ¥75.66B.
When is Bank of Saga Ltd.’s upcoming earnings report date?
Bank of Saga Ltd.’s upcoming earnings report date is May 07, 2026 which is in 44 days.
How were Bank of Saga Ltd.’s earnings last quarter?
Bank of Saga Ltd. released its earnings results on Feb 09, 2026. The company reported ¥127.48 earnings per share for the quarter, beating the consensus estimate of N/A by ¥127.48.
Is Bank of Saga Ltd. overvalued?
According to Wall Street analysts Bank of Saga Ltd.’s price is currently Overvalued.
Does Bank of Saga Ltd. pay dividends?
Bank of Saga Ltd. pays a Semiannually dividend of ¥50 which represents an annual dividend yield of 2.29%. See more information on Bank of Saga Ltd. dividends here
What is Bank of Saga Ltd.’s EPS estimate?
Bank of Saga Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Bank of Saga Ltd. have?
Bank of Saga Ltd. has 16,935,910 shares outstanding.
What happened to Bank of Saga Ltd.’s price movement after its last earnings report?
Bank of Saga Ltd. reported an EPS of ¥127.48 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.595%.
Which hedge fund is a major shareholder of Bank of Saga Ltd.?
Currently, no hedge funds are holding shares in JP:8395
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Bank of Saga Ltd.
The Bank of Saga Ltd. provides various banking products and services in Japan. The company offers checking accounts, savings accounts, ordinary deposits, notification deposits, time deposits, separate deposits, tax reserve deposits, non-resident yen deposits, foreign currency deposits, etc.; and mortgage, auto, education, and card loans, as well as discount bolls. It also invests in government bonds, municipal bonds, corporate bonds, stocks, and other securities to prepare and fund deposits; offers remittances, transfers, and collections; and provides export, import, and other foreign exchange services, as well as engages in bond contracting and registration, and financial futures trading businesses. In addition, the company is involved in protection and safe deposit box, securities lending, debt guarantee, public bonds underwriting, public bonds sales, card, commercial paper, defined contribution pension, and life insurance agency businesses. As of March 31, 2021, it operated through a network of 103 branches and 78 out-of-brach ATMs. The company was founded in 1882 and is headquartered in Saga, Japan.
Technical Analysis
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Options Prices
Currently, No data available
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