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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¥2,601.00 - ¥6,010.00
Previous CloseN/A
Volume31.40K
Average Volume (3M)54.99K
Market Cap
¥92.82B
Enterprise Value-¥148.17K
Total Cash (Recent Filing)¥280.15B
Total Debt (Recent Filing)¥34.05B
Price to Earnings (P/E)11.0
Beta1.11
Next Earnings
Nov 06, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.96%
Share Statistics
EPS (TTM)508.03
Shares Outstanding16,935,910
10 Day Avg. Volume40,980
30 Day Avg. Volume54,986
Financial Highlights & Ratios
PEG Ratio0.64
Price to Book (P/B)0.62
Price to Sales (P/S)1.12
P/FCF Ratio-67.05
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
Improved Capital StructureDebt-to-equity falling materially to ~0.27x and rising equity improves loss-absorbing capacity and regulatory headroom. This durable capital strength supports prudent credit growth, lowers refinancing risk, and increases strategic flexibility over the medium term.
Sustained Revenue And Earnings GrowthSharp revenue and multi-year net income growth reflect stronger core banking activity and fee opportunities. Persistent top-line expansion provides a stable base for reinvestment, supports provisioning buffers, and enhances long-term earnings resilience beyond short-term cycles.
Regional Deposit-and-loan FranchiseA focused regional banking model with local deposit funding and SME/retail lending creates durable franchise advantages: sticky deposits, customer relationships, and local market knowledge. That scale supports predictable intermediation income and stable market position.
Bears Say
Volatile Cash GenerationLarge swings in operating cash flow and a return to negative free cash flow in 2026 indicate weak cash conversion of accounting profits. This undermines sustainable funding for lending, capital returns, and investments, and raises reliance on balance-sheet or market funding.
Margin CompressionA marked decline in net margin suggests pressure on yields or higher costs and reduces earnings quality. If driven by structural yield-cost squeeze or adverse mix, margin pressure can persist and limit return-on-assets even if revenue growth remains positive.
Prior High Leverage And Restrained ReturnsA history of elevated leverage highlights past capital vulnerability and cyclical downside risk. Combined with modest shareholder payouts in recent years, this points to cautious capital allocation and potential investor concern over returns and the bank's willingness to deploy capital aggressively.
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 ¥2601.00 and its highest was ¥6010.00 in the past 12 months.
What is Bank of Saga Ltd.’s market cap?
Bank of Saga Ltd.’s market cap is ¥92.82B.
When is Bank of Saga Ltd.’s upcoming earnings report date?
Bank of Saga Ltd.’s upcoming earnings report date is Nov 06, 2026 which is in 89 days.
How were Bank of Saga Ltd.’s earnings last quarter?
Bank of Saga Ltd. released its earnings results on Aug 05, 2026. The company reported ¥172.113 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 ¥55 which represents an annual dividend yield of 1.96%. 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 ¥172.113 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 5.455%.
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 a diverse range of banking products and financial services across Japan. Its offerings encompass a variety of deposit accounts, including current, savings, ordinary, notification, time, segregated, tax reserve, non-resident yen, and foreign currency options. The institution also extends various lending solutions such as mortgage, auto, education, and card loans, along with bill discounting services. To manage and fund its deposit base, the bank undertakes investments in government, municipal, and corporate bonds, as well as equities and other securities. Beyond these, it facilitates remittances, transfers, and collections, and delivers comprehensive foreign exchange services for both export and import transactions. The company further participates in bond contracting and registration, alongside financial futures trading. Additional services include safe deposit boxes, securities lending, debt guarantees, underwriting and sales of public bonds, diverse card services, commercial paper activities, defined contribution pension plans, and acting as a life insurance agency. As of March 31, 2021, its operational network comprised 103 branches and 78 off-branch ATMs. Established in 1882, the bank is headquartered in Saga, Japan.
Technical Analysis
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