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Employees: 1,286
Size Bank of Saga (8395.T) is a Japan Financials company (Regional Banks) with a market value of $589M, the 987th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥5,600 on 6 Nov 2026.
Performance Over six months the shares gained 10.0%, against +9.1% for the median peer and +1.8% for the Japan market (cap-weighted) — 9th highest of 20 in its peer set.
Growth Revenue grew 15.7% over the last twelve months (peer median +9.9%); the operating margin is 2.0% (peer median 39.2%).
Valuation It trades at 0.72× book value against a peer median of 1.19× (4th cheapest of 21).
Price implies The share price implies a return on equity of about 5.2%; Bank of Saga delivers 8.2%, so the price asks less than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥58.9B | ¥70.4B | ¥54.2B | ¥49.9B | ¥46.3B |
| Revenue growth | — | +30% | +8% | +8% | — |
| Net income | ¥10.3B | ¥8.59B | ¥7.50B | ¥6.22B | ¥5.49B |
| Free cash flow | n/a | -¥1.18B | ¥20.4B | -¥26.2B | -¥5.53B |
| Capital expenditure | n/a | ¥4.43B | ¥3.94B | ¥2.39B | ¥1.35B |
| Total debt | ¥25.9B | ¥41.6B | ¥45.2B | ¥57.3B | ¥72.1B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8395.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -22.6% | +1.0% | 4th lowest of 21 |
| 6-month return | +10.0% | +9.1% | 9th highest of 20 |
| Return on equity | 8.2% | 11.7% | 7th lowest of 21 |
| Price / book | 0.72× | 1.19× | 4th cheapest of 21 |
| Trailing P/E | 9.3× | 10.7× | 3rd cheapest of 20 |
| ROE the price implies | 5.2% | 9.1% | 3rd least demanding of 21 |
| ROE delivered | 8.2% | 11.7% | 7th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Bank of Saga 8395.T | Japan | $589M | +10% | +16% | 8% | 0.72× | 5.2% | 8.2% |
| Civista Bancshares CIVB | United States | $587M | +13% | +5% | 11% | 1.06× | 8.4% | 10.9% |
| Mystate MYS.AX | Australia | $591M | +12% | +27% | 8% | 1.12× | 10.2% | 7.5% |
| Unity Bancorp UNTY | United States | $575M | +7% | +10% | 17% | 1.48× | 10.4% | 17.1% |
| Bridgewater Bancshares BWB | United States | $568M | +10% | +10% | 12% | 1.19× | 9.0% | 11.5% |
| Southern First Bancshares SFST | United States | $563M | +5% | +9% | 11% | 1.22× | 9.7% | 10.5% |
| First Business Financial Services FBIZ | United States | $618M | +31% | +4% | 15% | 1.58× | 11.2% | 14.9% |
| Bankwell Financial BWFG | United States | $559M | +34% | +10% | 14% | 1.67× | 10.9% | 14.3% |
| Bank7 BSVN | United States | $556M | +33% | -1% | 16% | 2.03× | 14.5% | 16.0% |
| Colony Bankcorp CBAN | United States | $555M | +2% | +21% | 11% | 1.10× | 8.1% | 10.8% |
| ChoiceOne Financial Services COFS | United States | $547M | +17% | +19% | 12% | 1.17× | 8.8% | 11.9% |
| Carter Bankshares CARE | United States | $634M | +9% | +40% | 28% | 1.20× | 8.8% | 27.5% |
| Northpointe Bancshares NPB | United States | $545M | -11% | +14% | 13% | 0.87× | 5.9% | 13.1% |
| Procrea Holdings,Inc 7384.T | Japan | $638M | -2% | +25% | 2% | 0.59× | 4.1% | 2.4% |
| Oma Savings Bank OMASP.HE | Finland | $643M | +47% | -20% | 7% | 0.92× | 5.0% | 6.6% |
| Sierra Bancorp BSRR | United States | $537M | +9% | -1% | 14% | 1.48× | 11.4% | 14.0% |
| Coastal Financial CCB | United States | $653M | -41% | +10% | -1% | 1.37× | 10.8% | -0.8% |
| West Coast Community Bancorp WCCB | United States | $653M | n/a | +6% | 15% | 1.62× | 9.1% | 15.0% |
| Orange County Bancorp OBT | United States | $530M | +14% | +3% | 17% | 1.71× | 9.6% | 17.2% |
| Bank Of The Ryukyus,Limited 8399.T | Japan | $655M | -3% | +19% | 7% | 0.68× | 5.3% | 6.5% |
| Tochigi Bank 8550.T | Japan | $527M | -17% | +26% | 5% | 0.50× | 5.9% | 5.4% |