Tsukuba Bank, Oct-Dec (3Q) Ordinary Profit Decreases by 21%

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Wed Feb 5, 2025 3:30 pm JST Earnings

8338 Tsukuba Bank, Ltd. 【J-GAAP】

Earnings Report

Tsukuba Bank, Ltd. <8338> [TSE Prime] announced its financial results after the market closed on February 5th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) was 2.99 billion yen, a 2.7% decrease compared to the same period last year. The progress rate toward the full-year plan of 4.4 billion yen was 68.1%, also falling below the five-year average of 108.9%.

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/loss for the January to March period (4Q) is expected to turn into a profit of 1.4 billion yen (compared to a loss of 0.61 billion yen in the same period last year).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit decreased to 0.76 billion yen, a 21.3% 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	27,978	ー	3,341	2,801	34.0	189.6	Feb 2, 2023	J-GAAP
Apr - Dec, 2023	30,049	ー	3,081	2,688	32.7	124.9	Feb 2, 2024	J-GAAP
Apr - Dec, 2024	30,401	ー	2,997	2,545	30.9	68.1	Feb 5, 2025	J-GAAP
YoY	+1.2%	－	-2.7%	-5.3%	-5.3%

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	20,469	ー	353	265	3.2	5	May 10, 2024	J-GAAP
Oct - Mar, 2024 Guidance	ー	ー	2,164	1,654	20.1	5	Nov 8, 2024	J-GAAP
YoY	－	－	+513.0%	+524.2%	+525.9%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	37,098	ー	1,762	2,095	25.4	5	May 12, 2023	J-GAAP
Mar, 2024	41,092	ー	2,467	2,195	26.6	5	May 10, 2024	J-GAAP
Mar, 2025 Guidance	ー	ー	4,400	3,600	43.7	5	May 10, 2024	J-GAAP
YoY	－	－	+78.4%	+64.0%	+64.5%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	9,426	ー	967	758	9.2	0.0	Feb 2, 2024	J-GAAP
Jan - Mar, 2024	11,043	ー	-614	-493	-6.0	0.0	May 10, 2024	J-GAAP
Apr - Jun, 2024	9,874	ー	1,723	1,384	16.8	0.0	Aug 2, 2024	J-GAAP
Jul - Sep, 2024	10,427	ー	513	562	6.8	0.0	Nov 8, 2024	J-GAAP
Oct - Dec, 2024	10,100	ー	761	599	7.3	0.0	Feb 5, 2025	J-GAAP
YoY	+7.2%	－	-21.3%	-21.0%	-21.0%