1. Japan Stocks

  2. •

    Finance

  3. •

    Regional banks
Bank of Saga Ltd.

Bank of Saga Ltd.

TTSE:8395
6,130.00
JPY
-210.00
(-3.31%)
78.93BMarket Cap
Nov 06Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
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
3,568.3
- -
Basic EPS, GAAP
298.61
198.71
194.22
173.54
397.94
157.49
145.77
146.97
242.97
327.03
370.05
444.34
508.05
- -
Free Cash Flow per Basic Share
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
-4,726.91
- -
Dividend per Share
59.93
69.99
74.88
69.88
70.01
70.02
69.99
69.94
69.92
69.86
69.87
84.77
99.78
- -
Book Value per Share
6,158.78
6,903.91
6,889.78
6,944.61
7,568.9
7,196.17
6,852.12
7,533.02
6,902.27
6,477.37
7,308.85
6,889.8
7,484.26
- -
Tangible Book Value per Share
6,035.1
6,784.12
6,738.23
6,820.07
7,466.64
7,115.42
6,782.37
7,463.12
6,841.41
6,421.09
7,223.23
6,751.56
7,328.48
- -
Basic Weighted Avg Shares
17
17
17
17
17
17
17
17
17
17
17
17
17
17
Sales/Revenue/Turnover
38,663
37,650
44,651
39,882
35,220
42,638
37,441
37,341
40,302
42,006
44,298
47,911
60,297
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,872
1,937
1,585
1,531
1,448
1,499
1,352
1,042
990
842
1,007
1,248
1,482
- -
Net Income, GAAP
4,983
3,316
3,242
2,898
6,650
2,636
2,441
2,465
4,076
5,491
6,218
7,496
8,585
- -
Effective Tax Rate (%)
33.18
41.11
40.09
17.35
14.63
32.7
40.32
36.66
38.93
27.45
19.14
28.34
28.83
- -
Profit Margin (%)
12.89
8.81
7.26
7.27
18.88
6.18
6.52
6.6
10.11
13.07
14.04
15.65
14.24
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
31,078
34,719
22,130
7,823
9,543
8,711
16,170
141,845
160,028
6,442
6,575
6,427
12,251
- -
Total Equity
106,064
119,098
119,319
120,687
126,574
120,492
114,745
126,411
115,785
108,761
122,846
116,374
126,498
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.66
1.86
1.91
1.85
4.84
1.99
1.88
1.24
1.5
2.81
5.08
5.94
6.56
- -
Return on Common Equity (%)
4.94
3.04
2.82
2.51
5.48
2.13
2.08
2.04
3.37
4.89
5.37
6.27
7.07
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
17
17
Market Capitalization
51,638
78,932
89,068

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
272,462
278,282
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.85%
0.38%
8.7%
Free Cash Flow
489.54%
1,147.13%
188.76%
Net Income, GAAP
20.05%
29.68%
14.53%
Sales/Revenue/Turnover
3.79%
10.33%
25.85%
Total Cash Common Dividend
- -
- -
17.9%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
13,312
12,496
- -
- -
47,911
2026
- -
- -
- -
- -
60,297
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
147.67
108.4
- -
- -
444.34
2026
- -
- -
- -
- -
508.05
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
84.77
2026
- -
- -
- -
- -
99.78
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Hideaki Sakai
Full Time Employees
1,286
Sector
Finance
Industry
Regional banks
Address
2-7-20 Karatang Saga SA Japan 840-0813
IPO Date
Oct 7, 1974
Website
sagabank.co.jp
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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.