Want to see JP:8395 full AI Analyst Report?
Top Page
Bank of Saga Ltd.
(8395)
Select Model
Select Model
Rating:72Outperform
Price Target:
¥8,036.00
▲(86.88% Upside)
Action:Upgraded
Date:08/17/26
The score is driven by strong technical uptrend and reasonable valuation, supported by solid earnings growth and improving leverage. Offsetting these positives is the largest risk factor: highly volatile cash flow and negative free cash flow in 2026, which weakens financial quality.
Positive Factors
Strong Revenue and Earnings Growth
The combination of sharp 2026 revenue growth and consistently higher net income indicates expanding earnings capacity across the regional banking franchise. If sustained, this progress can strengthen internal capital generation, support lending activity, and improve competitive resilience over the next several quarters.
Negative Factors
Volatile Cash Generation
Large swings in operating and free cash flow weaken confidence that reported profits consistently translate into financial resources. A return to negative free cash flow despite solid earnings may constrain discretionary investment and capital allocation, making the bank’s financial flexibility less dependable over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue and Earnings Growth
The combination of sharp 2026 revenue growth and consistently higher net income indicates expanding earnings capacity across the regional banking franchise. If sustained, this progress can strengthen internal capital generation, support lending activity, and improve competitive resilience over the next several quarters.
Read all positive factors
Bank of Saga Ltd. (8395) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥116.69B
Dividend Yield1.59%
Average Volume (3M)46.63K
Price to Earnings (P/E)11.9
Beta (1Y)1.13
Revenue Growth15.70%
EPS Growth63.78%
CountryJP
Employees1,286
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)508.03
Shares Outstanding16,935,910
10 Day Avg. Volume45,260
30 Day Avg. Volume46,626
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
Bank of Saga Ltd. Business Overview & Revenue Model
Company Description
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-r...
Bank of Saga Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
38
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 70.20B | 51.67B | 47.57B | 44.47B | 40.69B |
| Gross Profit | 60.66B | 47.91B | 44.30B | 42.01B | 40.30B |
| EBITDA | 13.55B | 11.71B | 8.70B | 8.41B | 7.66B |
| Net Income | 8.59B | 7.50B | 6.22B | 5.49B | 4.08B |
Balance Sheet | |||||
| Total Assets | 3.22T | 3.18T | 3.16T | 3.01T | 3.16T |
| Cash, Cash Equivalents and Short-Term Investments | 280.15B | 270.96B | 201.84B | 72.97B | 301.83B |
| Total Debt | 34.05B | 45.20B | 110.51B | 74.77B | 208.39B |
| Total Liabilities | 3.09T | 3.06T | 3.04T | 2.90T | 3.05T |
| Stockholders Equity | 126.50B | 116.37B | 122.56B | 108.76B | 115.78B |
Cash Flow | |||||
| Free Cash Flow | -1.18B | 20.36B | -26.20B | -190.17B | -4.59B |
| Operating Cash Flow | 2.37B | 22.94B | -24.61B | -188.82B | -3.58B |
| Investing Cash Flow | -16.11B | 95.41B | 14.54B | -43.72B | -67.45B |
| Financing Cash Flow | 22.00B | 18.00B | 143.86B | -1.18B | 86.57B |
Bank of Saga Ltd. Technical Analysis
Positive
4300.00
Price Trends
6347.00
Positive
5833.44
Positive
5228.88
Positive
Market Momentum
213.44
Negative
70.28
Negative
78.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8395, the sentiment is Positive. The current price of 4300 is below the 20-day moving average (MA) of 6734.83, below the 50-day MA of 6347.00, and below the 200-day MA of 5228.88, indicating a bullish trend. The MACD of 213.44 indicates Negative momentum. The RSI at 70.28 is Negative, neither overbought nor oversold. The STOCH value of 78.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8395.
Bank of Saga Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥116.69B | 11.89 | ― | 1.59% | 15.70% | 63.78% | |
71 Outperform | ¥192.58B | 11.39 | ― | 1.56% | 36.24% | 144.55% | |
67 Neutral | ¥179.09B | 19.85 | ― | 10.04% | 28.83% | 38.45% | |
67 Neutral | ¥139.88B | 19.66 | ― | 1.45% | 7.73% | 24.05% | |
65 Neutral | ¥197.63B | 17.83 | ― | 1.79% | 16.26% | 88.25% | |
62 Neutral | ¥174.95B | 24.12 | ― | 1.81% | 24.86% | 73.80% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8395
Bank of Saga Ltd.
7,240.00
4,250.76
142.20%
JP:8343
Akita Bank, Ltd.
1,992.00
1,314.17
193.88%
JP:8344
Yamagata Bank, Ltd.
5,790.00
4,207.33
265.84%
JP:8362
Fukui Bank, Ltd.
8,590.00
6,567.85
324.80%
JP:8387
Shikoku Bank Ltd.
4,805.00
3,431.58
249.86%
JP:8541
Ehime Bank, Ltd.
3,645.00
2,492.50
216.27%
Bank of Saga Ltd. Corporate Events
Bank of Saga Launches Share-Based Remuneration System for Directors
Aug 5, 2026
The Bank of Saga Ltd., a regional Japanese financial institution headquartered in Saga City and listed on the TSE Prime and FSE, is implementing a share-based remuneration system for certain internal directors. The bank will use a monetary trust s...
Bank of Saga Delivers Strong Quarterly Profit Surge and Confirms Dividend Outlook
Aug 5, 2026
The Bank of Saga reported a sharp improvement in performance for the three months ended June 30, 2026, with ordinary income rising 31.6% year on year to ¥17.9 billion and ordinary profit more than doubling to ¥4.0 billion. Profit attribu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.