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THE BANK OF SAGA LTD.

佐賀銀行 Yahoo Finance

Recent & upcoming events

Aug 5
Earnings 2:00
Q1 earnings announcement (scheduled)
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Jun 25
Shareholder meeting 21:00
Shareholders' meeting
Venue: 佐賀市唐人二丁目7番20号 当行本店8階大会議室 Details
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May 12
Earnings 2:00
FY earnings announcement (scheduled)
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Sep 27
Est.
Dividend Time TBD
Last day with rights (interim)
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Sep 28
Est.
Ex-dividend Time TBD
Ex-rights date (interim)
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Oct 28
Est.
Earnings 2:00 approx.
Q2 earnings
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2027
Jan 20
Est.
Earnings 1:00 approx.
Q3 earnings
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Mar 28
Est.
Dividend Time TBD
Last day with rights (year-end)
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Mar 29
Est.
Ex-dividend Time TBD
Ex-rights date (year-end)
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Apr 14
Est.
Earnings 2:00 approx.
Full-year earnings
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Jul 14
Est.
Earnings 2:00 approx.
Q1 earnings
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KPI highlights

FY26
Revenue —
Operating income —
Net income ¥8.59B YoY +14.5%
EPS ¥508 YoY +14.3%
P/E —
ROE 7.1% Equity ratio 4% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company guidance

FY2027/03 Company-issued full-year guidance (from earnings report) / %=vs prior FY
Revenue ¥66.00B —
Operating income — —
Net income ¥9.30B +8.3%
EPS ¥550 +8.3%

Quarterly fundamentals

Income & cash flow
Quarter FY23 Q3FY23 Q4FY24 Q1FY24 Q2FY24 Q3FY25 Q2
Revenue ¥11.08B¥11.57B¥11.32B¥13.31B¥12.50B—
Operating income ——————
Net income ¥2.01B¥876M¥1.60B¥2.48B¥1.83B—
Operating CF ——————

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2026）

国内機関 20.8%個人 7.6%未開示 69.7%202120222023202420252026
事業法人国内機関個人未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

日本マスタートラスト信託銀行株式会社 8.3%日本マスタートラスト信託銀行株式会社(信託口)佐賀銀行行員持株会 3.7%佐賀銀行行員持株会株式会社十八親和銀行 3.1%株式会社十八親和銀行明治安田生命保険相互会社 2.9%明治安田生命保険相互会社株式会社日本カストディ銀行(信託口) 2.6%株式会社日本カストディ銀行(信託口)株式会社肥後銀行 2.1%株式会社肥後銀行野村證券株式会社 2%野村證券株式会社野田　政信 2%野田　政信高橋　慧 1.9%高橋　慧株式会社福岡銀行 1.8%株式会社福岡銀行202120222023202420252026

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
日本マスタートラスト信託銀行株式会社(信託口) 1,400,000 8.3% Yuho (EDINET)
佐賀銀行行員持株会 633,000 3.7% Yuho (EDINET)
株式会社十八親和銀行 522,000 3.1% Yuho (EDINET)
明治安田生命保険相互会社 487,000 2.9% Yuho (EDINET)
株式会社日本カストディ銀行(信託口) 447,000 2.6% Yuho (EDINET)
株式会社肥後銀行 347,000 2.1% Yuho (EDINET)
野村證券株式会社 334,000 2.0% Yuho (EDINET)
野田 政信 329,000 2.0% Yuho (EDINET)
高橋 慧 327,000 1.9% Yuho (EDINET)
株式会社福岡銀行 307,000 1.8% Yuho (EDINET)

Source：EDINET（大株主の状況）　Classification inferred from disclosed names

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY26
Equity ratio 3.9%
Current ratio —
Years of positive operating CF 5 of last 10 yrs
Payout ratio 23%
Latest fiscal year result Profit (net income ¥8.59B)

Performance history

Last 10 years
0億円120億円240億円359億円479億円 FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26

Income & assets

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
Revenue ————373403420443479—
Operating income ——————————
Ordinary income 40.634.734.246.042.169.872.775.7110123
Net income 29.066.526.424.424.740.854.962.275.085.9
Total assets 23,35324,21224,70325,59930,51031,64030,09231,60831,77832,191
Equity 1,2071,2661,2051,1471,2641,1581,0881,2261,1641,265

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

*Split-adjustedUnit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
EPS ¥174¥398¥158¥146¥147¥243¥327¥370¥444¥508
ROE 2.5%5.5%2.1%2.1%2.0%3.4%4.9%5.4%6.3%7.1%
Operating CF 276224-1,5095092,322-19.9-1,8881,131-237-754
Investing CF -2411,347588-687-679-674-437219954845
Financing CF -137-42.7-36.7-11.7-11.7-11.8-11.8-11.8-14.3-16.9
FCF 34.31,571-921-1781,643-694-2,3251,35071790.9

Source: EDINET (Annual Securities Report) (fetched 2026-08-29) *Some metrics supplemented from additional sources

Is this information incorrect?

Data provided by Twelve Data