Toho Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 20%

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Wed Feb 5, 2025 12:00 pm JST Earnings

8346 The Toho Bank, Ltd. 【J-GAAP】

Earnings Report

The Toho Bank, Ltd. <8346> [TSE Prime] announced its financial results at noon (12:00) on February 5th. The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) increased 20.3% from the same period last year, reaching 9.8 billion yen. The progress rate toward the full-year plan of 10 billion yen was 98.1%, almost the same as the five-year average of 96.5%.

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 12.8% from the same period last year, reaching 0.19 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit amounted to 2.97 billion yen, a 2.9% 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	45,180	ー	6,354	4,111	16.3	94.8	Feb 2, 2023	J-GAAP
Apr - Dec, 2023	43,978	ー	8,149	5,531	21.9	97.9	Feb 6, 2024	J-GAAP
Apr - Dec, 2024	50,491	ー	9,806	6,567	26.3	98.1	Feb 5, 2025	J-GAAP
YoY	+14.8%	－	+20.3%	+18.7%	+19.7%

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	29,796	ー	3,238	1,943	7.7	3.50	May 14, 2024	J-GAAP
Oct - Mar, 2024 Guidance	33,162	ー	3,170	1,826	7.3	4	Nov 8, 2024	J-GAAP
YoY	+11.3%	－	-2.1%	-6.0%	-5.1%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	58,703	ー	6,699	4,493	17.8	7	May 12, 2023	J-GAAP
Mar, 2024	58,984	ー	8,321	5,252	20.8	7	May 14, 2024	J-GAAP
Mar, 2025 Guidance	65,900	ー	10,000	6,400	25.6	8	Sep 26, 2024	J-GAAP
YoY	+11.7%	－	+20.2%	+21.9%	+23.1%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	14,790	ー	3,066	2,222	8.8	0.0	Feb 6, 2024	J-GAAP
Jan - Mar, 2024	15,006	ー	172	-279	-1.1	0.0	May 14, 2024	J-GAAP
Apr - Jun, 2024	16,235	ー	3,432	2,366	9.4	0.0	Aug 6, 2024	J-GAAP
Jul - Sep, 2024	16,503	ー	3,398	2,208	8.8	0.0	Nov 8, 2024	J-GAAP
Oct - Dec, 2024	17,753	ー	2,976	1,993	8.0	0.0	Feb 5, 2025	J-GAAP
YoY	+20.0%	－	-2.9%	-10.3%	-9.5%