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The Bank of Saga Ltd. (8395.T)
Saga, JP
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -2.33% | -5.09% | -0.59% | +49.93% | +22.98% | +136.15% | +201.92% | +267.69% | +138.39% | +37.81% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+35.9% Q1'26: +139.8% (vs Q1'25)
-
EPS growth+14.4% Q1'26: +5.7% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +8.3% (vs Q1'25)
-
ROIC— Q1'26: -4.7% (vs Q1'25)
-
Share dilution+0.1% Q1'26: +0.7% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.85× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2019 actual |
Mar 2020 actual |
|---|---|---|
| Revenue |
43.10B
est: 45.40B (-5.1%)
|
37.87B
est: 46.00B (-17.7%)
|
| EBITDA |
5.42B
est: 8.33B (-35.0%)
|
5.44B
est: 8.44B (-35.5%)
|
| EBIT |
3.92B
est: 7.28B (-46.2%)
|
4.09B
est: 7.37B (-44.5%)
|
| Net Income |
2.64B
est: 2.74B (-3.9%)
|
2.44B
est: 2.84B (-14.2%)
|
| SGA |
23.32B
est: 21.41B (+8.9%)
|
22.70B
est: 21.69B (+4.7%)
|
| EPS |
157.49
est: 161.46 (-2.5%)
|
145.77
est: 167.44 (-12.9%)
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-11 | B | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-08 | B | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-01 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-27 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-24 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-23 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-22 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 3/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 3/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Japan SmallCap Dividend Fund DFJ | 0.08% | 298.1K | 0.58% |
| 2 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.07% | 214.5K | 0.31% |
| 3 | State Street SPDR S&P International Small Cap ETF GWX | 0.06% | 485.1K | 0.40% |
| 4 | Avantis International Small Cap Value ETF AVDV | 0.04% | 7.97M | 0.36% |
| 5 | Schwab International Small-Cap Equity ETF SCHC | 0.02% | 1.09M | 0.06% |
| 6 | Avantis International Small Cap Equity ETF AVDS | 0.02% | 62.5K | 0.30% |
| 7 | Dimensional - International Small Cap Value ETF DISV | 0.02% | 746.2K | 0.42% |
| 8 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.01% | 1.73M | 0.06% |
| 9 | Avantis Global Small Cap Value UCITS ETF AVGS.L | 0.01% | 123.6K | 0.39% |
| 10 | Dimensional - International Small Cap ETF DFIS | 0.01% | 642.2K | 0.39% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hideaki Sakai | President, Chief Executive Officer & Representative Chairman of the Board | — | male |
| Hideki Nakajima | Manager of Fukuoka Chuo Block, Fukuoka Branch, Watanabedori Branch & Tenjin Branch and Director | — | male |
| Ken Aratsu | General Planning Department Manager | — | — |
| Koji Kanagae | Manager of Karatsu Block, Karatsu Branch & Karatsu Ekimae Branch and Director | — | male |
| Makoto Noguchi | MD, GM of Business Administration Headquarters & Director | — | male |
| Sadaki Sakai | GM of Saga Minami Block, Head Office Bus. Dept & Gofukumachi Branch & Director | — | — |
| Toru Unoike | Senior MD, GM of Sales Management Headquarters & Representative Director | — | male |
| Yoichiro Kuchiishi | MD & Director | — | male |
| Yoshiaki Jono | MD & Director | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 8395.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
