Ehime Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Decreases by 9%, Oct-Dec Ordinary Profit Decreases by 7%

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Mon Feb 3, 2025 1:00 pm JST Earnings

8541 The Ehime Bank, Ltd. 【J-GAAP】

Earnings Report

The Ehime Bank, Ltd. <8541> [TSE Prime] announced its financial results in the afternoon session on February 3rd (13:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) decreased 9.0% from the same period last year to 5.41 billion yen. The progress rate toward the full-year plan of 7.4 billion yen was 73.1%, also falling below the five-year average of 75.8%.

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 grow 1.5% from the same period last year, reaching 1.98 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit decreased to 1.97 billion yen, a 7.3% decrease compared to the same period last year.

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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, 2022	37,802	ー	7,248	4,765	121.9	86.8	Feb 6, 2023	J-GAAP
Apr - Dec, 2023	48,933	ー	5,949	3,863	98.8	75.2	Feb 5, 2024	J-GAAP
Apr - Dec, 2024	47,228	ー	5,411	3,643	93.4	73.1	Feb 3, 2025	J-GAAP
YoY	-3.5%	－	-9.0%	-5.7%	-5.5%

Current Period Guidance

Second Half Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2023	32,159	ー	4,095	2,582	66.1	17	May 13, 2024	J-GAAP
Oct - Mar, 2024 Guidance	ー	ー	3,968	2,756	70.6	17	Nov 11, 2024	J-GAAP
YoY	－	－	-3.1%	+6.7%	+6.8%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	52,127	ー	8,354	5,391	138.0	30	May 11, 2023	J-GAAP
Mar, 2024	65,163	ー	7,909	5,055	129.4	32	May 13, 2024	J-GAAP
Mar, 2025 Guidance	ー	ー	7,400	5,000	128.1	34	May 13, 2024	J-GAAP
YoY	－	－	-6.4%	-1.1%	-1.0%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	15,929	ー	2,135	1,390	35.6	0.0	Feb 5, 2024	J-GAAP
Jan - Mar, 2024	16,230	ー	1,960	1,192	30.5	0.0	May 13, 2024	J-GAAP
Apr - Jun, 2024	16,252	ー	2,064	1,654	42.4	0.0	Aug 5, 2024	J-GAAP
Jul - Sep, 2024	15,106	ー	1,368	590	15.1	0.0	Nov 11, 2024	J-GAAP
Oct - Dec, 2024	15,870	ー	1,979	1,399	35.9	0.0	Feb 3, 2025	J-GAAP
YoY	-0.4%	－	-7.3%	+0.6%	+0.8%