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Toho Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 16%, Dividend Revised Upward by 4 Yen

Fri Nov 7, 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 November 7th. The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 9.13 billion yen, an increase 33.7% compared to the same period last year.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 15.5%, from the previous forecast of 11.6 billion yen to 13.4 billion yen (compared to 11.1 billion yen in the previous period), increasing the growth rate from 3.6% to 19.7%.

Based on the first-half performance announced by the company and the full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to decrease 2.2% from the same period last year to 4.26 billion yen.

In light of the strong performance, the company has significantly increased its planned annual dividend for the current fiscal year from the original plan of 10 yen to 14 yen (compared to 9 yen in the previous period).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit grew 25.5% from the same period last year, reaching 4.26 billion yen.

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Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Sep, 2023 29,188 ー 5,083 3,309 13.1 61.1 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 32,738 ー 6,830 4,574 18.3 61.0 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 44,569 ー 9,131 6,271 25.1 68.1 Nov 7, 2025 J-GAAP
YoY +36.1% － +33.7% +37.1% +37.4%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance 44,300 ー 8,700 6,000 24.0 5 Sep 26, 2025 J-GAAP
Apr - Sep, 2025 Results 44,569 ー 9,131 6,271 25.1 7 Nov 7, 2025 J-GAAP
Revision Rate +0.6% － +5.0% +4.5% +4.5%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 85,700 ー 11,600 8,000 32.0 10 May 9, 2025 J-GAAP
Mar, 2026 New 88,200 ー 13,400 9,300 37.2 14 Nov 7, 2025 J-GAAP
Revision Rate +2.9% － +15.5% +16.3% +16.3%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2024 37,705 ー 4,367 2,871 11.5 5 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 43,631 ー 4,269 3,029 12.1 7 Nov 7, 2025 J-GAAP
YoY +15.7% － -2.2% +5.5% +5.6%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 58,984 ー 8,321 5,252 20.8 7 May 14, 2024 J-GAAP
Mar, 2025 70,443 ー 11,197 7,445 29.8 9 May 9, 2025 J-GAAP
Mar, 2026 Guidance 88,200 ー 13,400 9,300 37.2 14 Nov 7, 2025 J-GAAP
YoY +25.2% － +19.7% +24.9% +25.0%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
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
Jan - Mar, 2025 19,952 ー 1,391 878 3.5 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 22,453 ー 4,865 3,403 13.6 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 22,116 ー 4,266 2,868 11.5 0.0 Nov 7, 2025 J-GAAP
YoY +34.0% － +25.5% +29.9% +30.2%

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