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Bank of Toyama, First Half Ordinary Profit Increases by 28%

Fri Nov 7, 2025 2:30 pm JST Earnings

8365 The Bank of Toyama,Ltd. 【J-GAAP】

Earnings Report

The Bank of Toyama,Ltd. <8365> [TSE Std] announced its financial results in the afternoon session on November 7th (14:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 28.3% from the same period last year, reaching 0.98 billion yen. Progress toward the full-year plan of 1.00 billion yen was 98.7%, it was below the five-year average of 111.8%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to significant drop 97.5% from the same period last year to 0.01 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit grew 12.9% from the same period last year, reaching 0.34 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 4,535 -382 -218 -40.4 Nov 8, 2023 J-GAAP
Apr - Sep, 2024 4,545 769 537 99.2 59.6 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 6,137 987 629 118.2 98.7 Nov 7, 2025 J-GAAP
YoY +35.0% +28.3% +17.1% +19.2%

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 950 600 112.4 25 Oct 31, 2025 J-GAAP
Apr - Sep, 2025 Results 6,137 987 629 118.2 25 Nov 7, 2025 J-GAAP
Revision Rate +3.9% +4.8% +5.1%

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 5,130 522 417 77.5 25 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 13 121 22.7 25 Nov 7, 2025 J-GAAP
YoY -97.5% -71.0% -70.7%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 10,146 788 632 116.7 50 May 10, 2024 J-GAAP
Mar, 2025 9,675 1,291 954 177.4 50 May 9, 2025 J-GAAP
Mar, 2026 Guidance 1,000 750 140.6 50 May 9, 2025 J-GAAP
YoY -22.5% -21.4% -20.7%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 2,239 303 213 39.3 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 2,808 78 51 9.4 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 2,322 444 366 68.0 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 3,545 645 399 75.0 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 2,592 342 230 43.2 0.0 Nov 7, 2025 J-GAAP
YoY +15.8% +12.9% +8.0% +9.9%

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