Education
About Us
Working with TipRanks
Follow Us
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
¥80.64B
Enterprise Value¥133.46B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥42.38B
Price to Earnings (P/E)9.7
Beta1.08
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
Stable Retail Lending ModelA clear, deposit-funded retail lending model focused on mortgages, personal and SME loans provides durable, interest-margin driven earnings. This business mix tends to produce predictable net interest income over economic cycles, supporting long-term cash generation and core profitability.
Improving Capital StructureA materially lower debt-to-equity ratio and a stable equity ratio strengthen solvency and financial flexibility, allowing the bank to absorb shocks, fund lending and meet regulatory capital demands without aggressive external financing, supporting multi-quarter resilience.
Healthy Profit MarginsSustained double-digit net margins and efficient operating margins indicate disciplined cost management and profitable lending spreads. Margin durability supports reinvestment, dividend capacity, and EPS resilience even if top-line growth moderates over several quarters.
Bears Say
Recent Revenue WeaknessA downturn in top-line growth signals risks to long-term earnings power if it persists. For a regional retail bank, sustained revenue contraction can compress interest income and fee pools, limiting the ability to scale costs and maintain investment in digital services and branch networks.
Cash Flow VolatilityFluctuating operating and free cash flows reduce predictability of internal funding for loans, reserves and dividends. Persistent volatility forces either heavier liquidity buffers or external borrowing, raising funding costs and constraining strategic investment over the medium term.
Moderate ROE And Past Leverage RiskA middling ROE limits capital-generation efficiency versus peers, slowing organic equity growth. Coupled with a history of high leverage, this raises concern that future downturns could pressure capital ratios or force more conservative lending, constraining long-term growth 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 ¥80.64B.
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 63 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
Yamagata Bank, Ltd.
―
Fukui Bank, Ltd.
―
Shikoku Bank Ltd.
―
Ehime Bank, Ltd.
―
Tochigi Bank, Ltd.
―
Options Prices
Currently, No data available
---