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    Banks - Regional
The Bank of Saga Ltd.

The Bank of Saga Ltd.

8395.T
The Bank of Saga Ltd.JP flagTokyo Stock Exchange
5,150.00
JPY
-60.00
- -
87.04BMarket Cap
The Bank of Saga Ltd.
8395.T
(Tokyo Stock Exchange)

Recent

price

5,150.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
2,138.83
2,176.94
2,324.11
2,316.9
2,256.17
2,674.95
2,388.29
2,107.59
2,547.38
2,235.95
2,226.39
2,402.36
2,501.81
2,636.31
2,840.01
- -
2,897.47
Revenue per Share
158.65
162.71
132.92
298.61
198.71
194.22
173.54
397.94
157.49
145.77
146.97
242.97
327.03
370.05
444.34
- -
403.8
Basic EPS, GAAP
1,393.94
3,690.04
3,032.4
8,364.04
267.98
-3,831.89
1,576.44
1,138.17
-9,073.25
2,996.24
13,764.25
-187.95
-11,326.32
6,585.85
-1,639.66
- -
- -
Free Cash Flow per Basic Share
59.97
60
60.05
59.93
69.99
74.88
69.88
70.01
70.02
69.99
69.94
69.92
69.86
69.87
84.77
- -
- -
Dividend per Share
3,794.53
3,946.12
4,047.87
4,293.96
4,462.06
4,579.66
4,686.33
5,011.61
5,151.45
5,246.04
5,339.49
5,519.97
5,770.36
6,081.83
6,374.1
- -
6,286.8
Book Value per Share
5,208.41
5,507.59
5,961.12
6,232.25
7,017.13
6,996.58
7,102.64
7,471.96
7,117.94
6,782.74
7,467.09
6,840.96
6,421.34
7,225.32
6,759.87
- -
7,142.6
Tangible Book Value per Share
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
Basic Weighted Avg Shares
36,345
36,538
38,782
38,663
37,650
44,651
39,882
35,220
42,638
37,441
37,341
40,302
42,006
44,298
47,911
- -
48,700
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,970
1,997
1,915
1,872
1,937
1,585
1,531
1,448
1,499
1,352
1,042
990
842
1,007
1,248
- -
- -
Depreciation Expense
2,696
2,731
2,218
4,983
3,316
3,242
2,898
6,650
2,636
2,441
2,465
4,076
5,491
6,218
7,496
- -
6,787
Net Income, GAAP
47.4
60.83
56.21
33.18
41.11
40.09
17.35
14.63
32.7
40.32
36.66
38.93
27.45
19.14
28.34
- -
21.03
Effective Tax Rate (%)
7.42
7.47
5.72
12.89
8.81
7.26
7.27
18.88
6.18
6.52
6.6
10.11
13.07
14.04
15.65
- -
13.94
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
24,941
22,641
18,750
31,078
34,719
22,130
7,823
9,543
8,711
16,170
141,845
160,028
6,442
6,575
6,427
- -
6,122
LT Debt
92,941
96,022
102,164
106,064
119,098
119,319
120,687
126,574
120,492
114,745
126,411
115,785
108,761
122,846
116,374
- -
122,083
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.25
4.18
3.32
7.16
4.54
4.3
3.75
8.21
3.1
2.8
2.78
4.48
5.8
6.25
7.15
- -
6.6
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
17
17
Market Capitalization
35,915
45,835
35,044

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
201,844
360,631
286,031
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
- -
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
- -
Sales/Revenue/Turnover
- -
- -
- -
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
12,320
11,080
11,575
11,317
44,298
2025
13,312
12,496
- -
- -
47,911
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
103.27
- -
- -
- -
370.05
2025
147.67
- -
- -
- -
444.34
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
69.87
2025
- -
- -
- -
- -
84.77
2026
- -
- -
- -
- -
- -
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Business
The Bank of Saga Ltd. (8395.T) operates as a regional bank in Japan, providing a comprehensive range of banking products and services including deposits such as current accounts, ordinary deposits, savings accounts, time deposits, special deposits, non-resident yen deposits, foreign currency deposits, and certificates of deposit; loans encompassing loans on bills, overdrafts, bank acceptances, commercial bills, bills of exchange, and electronically recorded monetary claims; remittances, credit transfers, and payment collections; foreign exchange services covering exports, imports, foreign remittances, and other transactions; investment management in government bonds, local government bonds, corporate bonds, stocks, and other securities; trust banking, securities brokerage, financial futures trading, bond contracting and registration, safe deposit boxes, securities lending, debt guarantees, public bonds underwriting, card services, commercial paper, securities investment trusts, and life insurance agency business; as well as non-banking services like leasing, credit guarantees, staffing, information processing, and venture capital. The bank maintains 103 branches primarily in Saga Prefecture with 61 locations, Fukuoka with 38, Nagasaki with 3, and a Tokyo representative office, alongside 72 sales branches and 62 out-of-branch ATMs, targeting regional individuals, businesses, and local industries to support community development. Founded in 1882 and incorporated in 1955, it is headquartered at 7-20 Tojin 2-chome, Saga City, Saga, Japan. In its fiscal year ended March 2024, the bank reported consolidated net income of ¥6.2 billion, up from ¥5.5 billion the prior year, reflecting higher interest income from loans and securities alongside deposit growth to ¥2.95 trillion, while advancing operational synergies within its group amid a changing management environment.