Bank of Saga Ltd. (JP:8395)
:8395
Want to see JP:8395 full AI Analyst Report?
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¥2,050.00 - ¥5,510.00
Previous CloseN/A
Volume31.40K
Average Volume (3M)54.99K
Market Cap
¥84.20B
Enterprise Value-¥60.46B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥78.69B
Price to Earnings (P/E)7.9
Beta1.14
Next Earnings
May 12, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.29%
Share Statistics
EPS (TTM)370.37
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
Margin SustainabilityA net profit margin near 13.8% in 2025 indicates durable profitability from core lending and efficient operations. Healthy margins help absorb cyclical pressure, support provisioning and dividends, and provide a stable earnings base for the bank over the coming months.
Improved Balance SheetLeverage improving to a 0.39 debt-to-equity ratio and a stable equity ratio strengthen capital resilience. Lower leverage increases capacity to withstand credit losses, eases regulatory strain, and enables prudent balance-sheet growth without jeopardizing solvency.
Stable Core Banking ModelA traditional deposit-and-loan franchise with net interest income as the primary engine and fee income as a complement creates predictable cash generation. Sticky local deposits and diversified fee channels support funding stability and recurring revenue over time.
Bears Say
Revenue WeaknessReported negative revenue growth in 2025 signals top-line pressure that can persist absent stronger loan demand or margin expansion. For a regional lender, falling revenues constrain profitability levers and may force tighter expense management or slower loan growth.
Cash-Flow VolatilityHistorical swings in cash flow, notably in 2023, create uncertainty for liquidity and capital planning despite recent free cash flow improvement. Volatile operating cashflows complicate dividend policy, provisioning cycles and multi-month strategic investments.
Geographic ConcentrationHeavy concentration in Saga Prefecture limits geographic diversification and exposes the bank to local economic or demographic shocks. This structural concentration constrains growth options and raises sensitivity to regional downturns over the medium term.
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 ¥2050.00 and its highest was ¥5510.00 in the past 12 months.
What is Bank of Saga Ltd.’s market cap?
Bank of Saga Ltd.’s market cap is ¥84.20B.
When is Bank of Saga Ltd.’s upcoming earnings report date?
Bank of Saga Ltd.’s upcoming earnings report date is May 12, 2026 which is in 2 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
Akita Bank, Ltd.
―
Yamagata Bank, Ltd.
―
Fukui Bank, Ltd.
―
Shikoku Bank Ltd.
―
Ehime Bank, Ltd.
―
Options Prices
Currently, No data available
---