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FIRST BANK TOYAMA, First Half Ordinary Profit Decreases by 32%

Fri Nov 7, 2025 3:00 pm JST Earnings

7184 THE FIRST BANK OF TOYAMA, LTD. 【J-GAAP】

Earnings Report

THE FIRST BANK OF TOYAMA, LTD. <7184> [TSE Prime] announced its financial results in the afternoon session on November 7th (15:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) dropped 32.1% from the same period last year to 10.0 billion yen. Progress toward the full-year plan of 14.7 billion yen was 68.7%, also surpassing the five-year average of 60.1%.

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 grow 12.4% from the same period last year, reaching 4.60 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit amounted to 3.38 billion yen, an increase of 2.3% compared to the same period last year.

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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 19,485 ー 5,012 2,807 44.0 54.3 Nov 9, 2023 J-GAAP
Apr - Sep, 2024 29,234 ー 14,866 10,508 164.0 78.4 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 24,916 ー 10,098 7,303 115.6 68.7 Nov 7, 2025 J-GAAP
YoY -14.8% － -32.1% -30.5% -29.5%

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 ー ー 9,600 6,600 105.0 28 Sep 29, 2025 J-GAAP
Apr - Sep, 2025 Results 24,916 ー 10,098 7,303 115.6 28 Nov 7, 2025 J-GAAP
Revision Rate － － +5.2% +10.7% +10.0%

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 19,279 ー 4,093 2,846 44.5 19 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 4,602 2,697 42.9 28 Nov 7, 2025 J-GAAP
YoY － － +12.4% -5.2% -3.6%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 38,678 ー 9,223 5,284 83.0 25 May 10, 2024 J-GAAP
Mar, 2025 48,513 ー 18,959 13,354 209.0 34 May 13, 2025 J-GAAP
Mar, 2026 Guidance ー ー 14,700 10,000 159.1 56 Sep 29, 2025 J-GAAP
YoY － － -22.5% -25.1% -23.9%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 10,108 ー 3,306 2,530 39.5 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 12,064 ー 4,468 3,136 49.0 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 7,215 ー -375 -290 -4.5 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 13,571 ー 6,716 4,914 77.5 0.0 Aug 1, 2025 J-GAAP
Jul - Sep, 2025 11,345 ー 3,382 2,389 37.8 0.0 Nov 7, 2025 J-GAAP
YoY +12.2% － +2.3% -5.6% -4.3%

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