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BANK OF SAGA, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 14%, Oct-Dec Ordinary Profit Increases by 10%

Mon Feb 9, 2026 3:00 pm JST Earnings

8395 THE BANK OF SAGA LTD. 【J-GAAP】

Earnings Report

THE BANK OF SAGA LTD. <8395> [TSE Prime] announced its financial results in the afternoon session on February 9th (15:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) increased 13.7% from the same period last year, reaching 10.0 billion yen. Progress toward the full-year plan of 11.5 billion yen was 87.2%, almost the same as the five-year average of 86.4%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the January to March period (4Q) is expected to drop 32.5% from the same period last year to 1.47 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit grew 10.2% from the same period last year, reaching 3.06 billion yen.

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Actual Results

Accumulated Results 3rd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Dec, 2023 39,937 ー 5,172 4,620 275.0 68.3 Feb 9, 2024 J-GAAP
Apr - Dec, 2024 42,487 ー 8,822 6,165 365.6 80.2 Feb 7, 2025 J-GAAP
Apr - Dec, 2025 44,187 ー 10,029 7,176 424.7 87.2 Feb 9, 2026 J-GAAP
YoY +4.0% － +13.7% +16.4% +16.2%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2024 26,160 ー 4,962 3,183 188.7 50 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance 26,200 ー 4,539 2,978 176.2 50 Nov 7, 2025 J-GAAP
YoY +0.2% － -8.5% -6.4% -6.6%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 53,013 ー 7,571 6,218 370.1 80 May 10, 2024 J-GAAP
Mar, 2025 55,231 ー 11,001 7,496 444.4 90 May 12, 2025 J-GAAP
Mar, 2026 Guidance 56,000 ー 11,500 8,000 473.3 100 Oct 24, 2025 J-GAAP
YoY +1.4% － +4.5% +6.7% +6.5%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 13,416 ー 2,783 1,852 109.8 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 12,744 ー 2,179 1,331 78.9 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 13,595 ー 1,669 1,242 73.5 0.0 Aug 4, 2025 J-GAAP
Jul - Sep, 2025 16,205 ー 5,292 3,780 223.7 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025 14,387 ー 3,068 2,154 127.5 0.0 Feb 9, 2026 J-GAAP
YoY +7.2% － +10.2% +16.3% +16.1%

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