Stock 8395 THE BANK OF SAGA LTD.
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Financials The Bank of Saga Ltd.

Equities

8395

JP3315200000

Banks

Market Closed - Japan Exchange
Other stock markets
 02:00:00 2024-05-02 am EDT 		5-day change 1st Jan Change
2,219 JPY +0.63% Intraday chart for The Bank of Saga Ltd. +1.46% +20.01%
Feb. 15 Fukuoka REIT Corp Extends 7 Billion Yen Credit Line For Another Year MT
Jan. 24 Fukuoka REIT Secures 2 Billion Yen Loans for Debt Payment MT

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 38,998 31,914 19,224 24,769 24,524 27,209
Enterprise Value (EV) 1 -263,721 -178,736 -176,948 -184,173 -68,918 26,375
P/E ratio 5.89 x 12.2 x 7.92 x 10.1 x 6.07 x 5 x
Yield 3% 3.67% 6.1% 4.74% 4.79% 4.32%
Capitalization / Revenue 0.99 x 0.75 x 0.49 x 0.64 x 0.61 x 0.63 x
EV / Revenue -6.73 x -4.22 x -4.5 x -4.77 x -1.72 x 0.61 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.31 x 0.26 x 0.17 x 0.2 x 0.21 x 0.25 x
Nbr of stocks (in thousands) 16,723 16,744 16,746 16,781 16,775 16,796
Reference price 2 2,332 1,906 1,148 1,476 1,462 1,620
Announcement Date 6/28/18 6/27/19 6/26/20 6/29/21 6/29/22 6/29/23
1JPY in Million2JPY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 39,198 42,351 39,365 38,629 40,027 43,321
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 8,079 3,917 4,090 3,892 6,674 7,569
Net income 1 6,650 2,636 2,441 2,465 4,076 5,491
Net margin 16.97% 6.22% 6.2% 6.38% 10.18% 12.68%
EPS 2 395.9 156.7 144.9 146.0 240.9 324.0
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 70.00 70.00 70.00 70.00 70.00 70.00
Announcement Date 6/28/18 6/27/19 6/26/20 6/29/21 6/29/22 6/29/23
1JPY in Million2JPY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2020 S1 2021 S1 2022 S1 2022 Q3 2023 Q1 2023 S1 2023 Q3 2024 Q1 2024 S1 2024 Q3
Net sales 1 20,519 20,785 22,236 10,809 11,821 23,439 12,501 13,993 26,755 13,182
EBITDA - - - - - - - - - -
EBIT - - - - - - - - - -
Operating Margin - - - - - - - - - -
Earnings before Tax (EBT) 1 1,807 2,114 3,283 2,306 4,034 6,520 1,502 2,086 5,025 296
Net income 1 1,076 1,329 2,064 1,636 2,807 4,712 1,421 1,734 3,744 876
Net margin 5.24% 6.39% 9.28% 15.14% 23.75% 20.1% 11.37% 12.39% 13.99% 6.65%
EPS 2 64.29 79.31 123.1 97.49 167.4 280.8 84.56 103.3 222.9 52.09
Dividend per Share 35.00 35.00 35.00 - - 35.00 - - 35.00 -
Announcement Date 11/8/19 11/10/20 11/11/21 2/10/22 8/5/22 11/10/22 2/10/23 8/4/23 11/10/23 2/9/24
1JPY in Million2JPY
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 302,719 210,650 196,172 208,942 93,442 834
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 5.58% 2.13% 2.08% 2.04% 3.37% 4.89%
ROA (Net income/ Total Assets) 0.29% 0.11% 0.1% 0.09% 0.13% 0.18%
Assets 1 2,293,103 2,447,539 2,516,495 2,807,517 3,109,077 3,088,301
Book Value Per Share 2 7,569 7,196 6,852 7,533 6,902 6,478
Cash Flow per Share 2 19,305 13,562 12,822 22,496 17,994 4,346
Capex 1 3,174 727 317 944 1,009 1,132
Capex / Sales 8.1% 1.72% 0.81% 2.44% 2.52% 2.61%
Announcement Date 6/28/18 6/27/19 6/26/20 6/29/21 6/29/22 6/29/23
1JPY in Million2JPY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Quarterly earnings - Rate of surprise

Company calendar

Sector Commercial Banks

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Commercial Banks
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