Banks · Fiscal year end Mar 31

THE BANK OF SAGA LTD.

8395

株式会社佐賀銀行

FIGI BBG000BJ46168395.T8395 JPCorp. no. 9300001000183

Latest half-year results

First half · fiscal year to 2026-03 · filed 2025-11-26

For the first half of the fiscal year to 2026-03: Revenue ¥29.8 billion (+2.5% YoY), Ordinary income ¥7 billion (+15.3% YoY), Net income ¥5 billion (+16.4% YoY).

	This period	Year on year
Revenue	¥29.8bn	+2.5%
Ordinary profit	¥7.0bn	+15.3%
Net profit to owners	¥5.0bn	+16.4%

From the securities report on EDINET, which states no forecast. History via /v1/companies/8395/earnings-releases.

Financials

Japan GAAP · consolidated · fiscal year to 2026-03-31

Revenue: ¥71.8bn
Net income: ¥8.6bn
ROE: 7.1%
Equity ratio: 3.9%
Dividend / share: ¥110
Employees: 1,286

Revenue · ¥bn

Net income · ¥bn

Fiscal year	Revenue	Net income	Total assets	Net assets	ROE	EPS	Operating CF
2026-03-31	¥71.8bn	¥8.6bn	¥3,219.1bn	¥126.5bn	7.1%	¥508.05	−¥75.4bn
2025-03-31	¥55.2bn	¥7.5bn	¥3,177.8bn	¥116.4bn	6.3%	¥444.35	−¥23.7bn
2024-03-31	¥53.0bn	¥6.2bn	¥3,161.0bn	¥122.8bn	5.4%	¥370.09	¥113.1bn
2023-03-31	¥47.7bn	¥5.5bn	¥3,009.4bn	¥109.0bn	4.9%	¥327.05	−¥188.8bn
2022-03-31	¥43.9bn	¥4.1bn	¥3,164.2bn	¥116.1bn	3.4%	¥242.97	−¥2.0bn

Indicators

Computed by us from filings · fiscal year to 2026-03-31

Metric	Value	Percentile among listed companies
ROE, %	7.08	39.1
Ordinary margin	0.1713	86.4
Equity ratio, %	3.92	1.3
Revenue growth	0.3008	93.7
Net income growth	0.1453	51
Operating cash flow / assets	-0.0234	11.5

Policy-uncertainty measure0.45 Share of the report's text discussing policy-related uncertainty, by policy area. Proprietary text method.

Politics & geopolitics 1

Ownership activity 0 filer(s) stated they may make proposals in 365 days; 1 new 5% holder(s) in 180 days; net stake change −1.43pt in 90 days; 10.5% held by other listed companies.

Results wording balance: +0.33. Proprietary text method; it describes the wording only and does not interpret context.

Via /v1/companies/8395/indicators. Descriptive figures, not a rating and not investment advice.

From other filings

As the company states them

Share buyback, report to —: ¥4m acquired of a ¥6m limit. /v1/companies/8395/buybacks

Internal control, 2026-06-23: see filing 上記の評価の結果、当事業年度末日時点において、当行の財務報告に係る内部統制は有効であると判断しました。 Filing

Segments, votes and tender offers

Stated in EDINET filings

Segments: Banking, Leasing, Credit Guarantee, Other. /v1/companies/8395/segments

Latest voting result: 2026-06-26 · 剰余金の処分の件 · passed. /v1/companies/8395/voting

Ownership changes

All companies →

2026-10-07

Decrease−0.22pt

Nomura Securities Co.,Ltd. reduced holdings in THE BANK OF SAGA LTD. (8395) to 5.11% from 5.33%.

S100Z6Q9Filer profile Original filing (PDF, Japanese)
2026-09-07

Decrease−1.21pt

Nomura Securities Co.,Ltd. reduced holdings in THE BANK OF SAGA LTD. (8395) to 5.33% from 6.54%.

S100Z0SZFiler profile Original filing (PDF, Japanese)
2026-07-07

Increase+1.31pt

Nomura Securities Co.,Ltd. raised holdings in THE BANK OF SAGA LTD. (8395) to 6.54% from 5.23%.

S100YP5SFiler profile Original filing (PDF, Japanese)
2026-06-22

New 5% stake

Nomura Securities Co.,Ltd. disclosed a 5.23% stake in THE BANK OF SAGA LTD. (8395), crossing the 5% reporting threshold.

S100YG7AFiler profile Original filing (PDF, Japanese)
2026-06-03

Below 5%−0.83pt

Nomura Securities Co.,Ltd. cut holdings in THE BANK OF SAGA LTD. (8395) to 4.76% from 5.59%, below the 5% threshold.

S100Y8DAFiler profile Original filing (PDF, Japanese)
2026-05-12

Increase+0.14pt

Nomura Securities Co.,Ltd. raised holdings in THE BANK OF SAGA LTD. (8395) to 5.59% from 5.45%.

S100Y2L6Filer profile Original filing (PDF, Japanese)
2026-04-07

Increase+0.20pt

Nomura Securities Co.,Ltd. raised holdings in THE BANK OF SAGA LTD. (8395) to 5.45% from 5.25%.

S100XXF5Filer profile Original filing (PDF, Japanese)
2026-03-23

New 5% stake

Nomura Securities Co.,Ltd. disclosed a 5.25% stake in THE BANK OF SAGA LTD. (8395), crossing the 5% reporting threshold.

S100XSJLFiler profile Original filing (PDF, Japanese)

5% filings

Large shareholding reports on 8395

Filed	Filer	Stake	Change	Stated purpose
2026-10-07	Nomura Securities Co.,Ltd.	5.11%	−0.22pt	—
2026-09-07	Nomura Securities Co.,Ltd.	5.33%	−1.21pt	—
2026-07-07	Nomura Securities Co.,Ltd.	6.54%	+1.31pt	—
2026-06-22	Nomura Securities Co.,Ltd.	5.23%	—	—
2026-06-03	Nomura Securities Co.,Ltd.	4.76%	−0.83pt	—
2026-05-12	Nomura Securities Co.,Ltd.	5.59%	+0.14pt	—
2026-04-07	Nomura Securities Co.,Ltd.	5.45%	+0.20pt	—
2026-03-23	Nomura Securities Co.,Ltd.	5.25%	—	—

Cross-shareholdings

From the annual report's status of shareholdings

Listed strategic holdings: 33 issues
Book value: ¥23.7bn
Sold in the year: ¥14.4bn 2 issues
Bought in the year: ¥7m 3 issues
Mutual, both reports: 18
Held by listed cos.: 25

Holds	Book value	Shares vs. prior year	Mutual
Fukuoka Financial Group, Inc. 8354	¥6,687m	0.0%	both reports
Kyushu Financial Group,Inc. 7180	¥4,317m	0.0%	both reports
九州電力株式会社 9508	¥3,560m	0.0%	both reports
SAN-AI OBBLI CO.,LTD 8097	¥2,313m	0.0%	no
Namura Shipbuilding Co.,Ltd. 7014	¥1,305m	0.0%	both reports
Nishi-Nippon Railroad Co.,Ltd. 9031	¥1,227m	0.0%	both reports
Togami Electric Mfg. Co.,Ltd. 6643	¥1,210m	0.0%	both reports
Kyushu Railway Company 9142	¥1,183m	0.0%	no
SAIBU GAS HOLDINGS CO.,LTD. 9536	¥1,024m	0.0%	both reports
株式会社宮崎銀行　(注)4	¥899m	+400.0%	stated

Held by: Kyushu Financial Group,Inc. 7180, Fukuoka Financial Group, Inc. 8354, 9508 9508, Nishi-Nippon Railroad Co.,Ltd. 9031, The Miyazaki Bank,Ltd. 8393, Kyushu Financial Group,Inc. 7180, SAIBU GAS HOLDINGS CO.,LTD. 9536, Togami Electric Mfg. Co.,Ltd. 6643, The Hyakugo Bank, Ltd. 8368, Torishima Pump Mfg.Co.,Ltd. 6363, SAIBU GAS HOLDINGS CO.,LTD. 9536, SECOM CO., LTD. 9735 and 15 more

Purposes, all holdings and mutual flags via /v1/companies/8395/cross-holdings. Share changes include stock splits.

Major shareholders

As of fiscal year end 2026-03-31

Shareholder	Shares	Ratio
日本マスタートラスト信託銀行株式会社(信託口)	1,400,000	8.28%
佐賀銀行行員持株会	633,000	3.74%
株式会社十八親和銀行	522,000	3.09%
明治安田生命保険相互会社	487,000	2.88%
株式会社日本カストディ銀行(信託口)	447,000	2.64%
株式会社肥後銀行	347,000	2.05%
野村證券株式会社	334,000	1.98%
individual holder	329,000	1.95%
individual holder	327,000	1.93%
株式会社福岡銀行	307,000	1.81%

U.S. funds holding 8395

SEC Form N-PORT, reports to 2026-07-31

39 U.S. funds held 1,160,178 shares worth $39.4m.

Fund	Shares	Value	% of fund	As of
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND VANGUARD STAR FUNDS	207,467	$7.2m	0.001%	2026-07-31
Avantis International Small Cap Value ETF American Century ETF Trust	213,800	$7.0m	0.035%	2026-05-31
DFA INTERNATIONAL SMALL CAP VALUE PORTFOLIO DFA INVESTMENT DIMENSIONS GROUP INC	163,934	$5.7m	0.040%	2026-07-31
VANGUARD DEVELOPED MARKETS INDEX FUND VANGUARD TAX-MANAGED FUNDS	157,057	$5.1m	0.002%	2026-06-30
THE JAPANESE SMALL COMPANY SERIES DFA INVESTMENT TRUST CO	60,620	$2.1m	0.053%	2026-07-31

Up to 25 funds per stock via the API.

Get this as JSON

GET /v1/companies/8395
GET /v1/companies/8395/financials
GET /v1/companies/8395/details
GET /v1/companies/8395/segments
GET /v1/companies/8395/voting
GET /v1/companies/8395/tender-offers
GET /v1/companies/8395/indicators
GET /v1/companies/8395/earnings-releases
GET /v1/events?ticker=8395
GET /v1/companies/8395/trades         
GET /v1/companies/8395/cross-holdings 
GET /v1/companies/8395/brief

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