Keiyo Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 35%, Oct-Dec Ordinary Profit Increases by 30%

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Fri Feb 7, 2025 1:30 pm JST Earnings

8544 The Keiyo Bank, Ltd. 【J-GAAP】

Earnings Report

The Keiyo Bank, Ltd. <8544> [TSE Prime] announced its financial results in the afternoon session on February 7th (13:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) expanded 17.6 billion yen, an increase 34.5% compared to the same period last year. The progress rate toward the full-year plan of 17.9 billion yen was 98.7%, also surpassing the five-year average of 92.2%.

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 significant drop 90.7% from the same period last year to 0.23 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit increased 30.5% from the same period last year, reaching 5.76 billion yen.

Kabutan News

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	50,577	ー	12,833	8,765	69.0	84.6	Feb 8, 2023	J-GAAP
Apr - Dec, 2023	54,827	ー	13,131	9,034	72.1	83.8	Feb 6, 2024	J-GAAP
Apr - Dec, 2024	59,961	ー	17,662	12,197	99.1	98.7	Feb 7, 2025	J-GAAP
YoY	+9.4%	－	+34.5%	+35.0%	+37.5%

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	33,554	ー	6,965	4,861	38.9	12.50	May 9, 2024	J-GAAP
Oct - Mar, 2024 Guidance	ー	ー	6,003	3,826	31.6	14	Nov 8, 2024	J-GAAP
YoY	－	－	-13.8%	-21.3%	-18.9%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	65,614	ー	15,174	10,390	81.8	22	May 11, 2023	J-GAAP
Mar, 2024	70,215	ー	15,678	10,878	87.1	24	May 9, 2024	J-GAAP
Mar, 2025 Guidance	ー	ー	17,900	12,100	99.9	28	Nov 8, 2024	J-GAAP
YoY	－	－	+14.2%	+11.2%	+14.6%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	18,166	ー	4,418	3,017	24.1	0.0	Feb 6, 2024	J-GAAP
Jan - Mar, 2024	15,388	ー	2,547	1,844	14.8	0.0	May 9, 2024	J-GAAP
Apr - Jun, 2024	21,589	ー	7,798	5,416	43.9	0.0	Jul 31, 2024	J-GAAP
Jul - Sep, 2024	17,983	ー	4,099	2,858	23.2	0.0	Nov 8, 2024	J-GAAP
Oct - Dec, 2024	20,389	ー	5,765	3,923	31.9	0.0	Feb 7, 2025	J-GAAP
YoY	+12.2%	－	+30.5%	+30.0%	+32.4%