Bank of Saga Ltd. (JP:8395)
:8395
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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¥2,247.00 - ¥5,710.00
Previous CloseN/A
Volume31.40K
Average Volume (3M)54.99K
Market Cap
¥85.03B
Enterprise Value-¥155.84B
Total Cash (Recent Filing)¥349.39B
Total Debt (Recent Filing)¥78.69B
Price to Earnings (P/E)10.4
Beta1.02
Next Earnings
Jul 31, 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 Ratio0.64
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 StructureA much lower debt-to-equity (~0.27x) and rising equity enhance financial flexibility and shock absorption. This durable improvement reduces refinancing risk, supports continued lending and risk-taking capacity, and strengthens capacity to withstand regional economic shocks.
Strong Revenue And Net Income MomentumSharp revenue growth and multi-year net income gains signal expanding core franchise strength and higher business activity. Durable top-line momentum supports repeatable interest and fee income, strengthening earnings predictability over the medium term.
Sustained Profitability And Earnings GrowthHealthy net margins and consistent EPS growth reflect operational efficiency and profitable loan/asset mix. Sustained profitability underpins internal capital generation and supports strategic initiatives, dividends, and reserve building over the next several quarters.
Bears Say
Volatile Cash Generation And Negative FCFLarge swings and a return to negative free cash flow in 2026 weaken the bank's ability to fund lending, dividends or capital without market funding. Persistent volatility reduces financial planning reliability and increases funding and liquidity risk over the medium term.
Margin Compression In 2026A notable decline in net margin suggests pressure on interest spreads or rising funding costs. If structural, margin compression will erode return on assets and capital, limiting the durability of recent earnings improvements and making growth more capital intensive.
High Regional ConcentrationHeavy geographic concentration in Saga Prefecture limits diversification of loans and deposits and raises sensitivity to local economic or demographic downturns. This structural exposure can amplify cyclical risk and constrain growth opportunities outside the region.
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 ¥2247.00 and its highest was ¥5710.00 in the past 12 months.
What is Bank of Saga Ltd.’s market cap?
Bank of Saga Ltd.’s market cap is ¥85.03B.
When is Bank of Saga Ltd.’s upcoming earnings report date?
Bank of Saga Ltd.’s upcoming earnings report date is Jul 31, 2026 which is in 38 days.
How were Bank of Saga Ltd.’s earnings last quarter?
Bank of Saga Ltd. released its earnings results on May 12, 2026. The company reported ¥83.35 earnings per share for the quarter, beating the consensus estimate of N/A by ¥83.35.
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 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 ¥83.35 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.354%.
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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Options Prices
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