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Ehime Bank, First Half Ordinary Profit Increases by 15%, Jul-Sep Ordinary Profit Increases by 6%

Mon Nov 10, 2025 1:30 pm JST Earnings

8541 The Ehime Bank, Ltd. 【J-GAAP】

Earnings Report

The Ehime Bank, Ltd. <8541> [TSE Prime] announced its financial results in the afternoon session on November 10th (13:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 14.8% from the same period last year, reaching 3.93 billion yen. However, Progress toward the full-year plan of 7.90 billion yen was 49.9%, almost the same as the five-year average of 50.6%.

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 decrease 10.0% from the same period last year to 3.96 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit grew 5.6% from the same period last year, reaching 1.44 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 33,004 ー 3,814 2,473 63.3 48.2 Nov 13, 2023 J-GAAP
Apr - Sep, 2024 31,358 ー 3,432 2,244 57.5 43.8 Nov 11, 2024 J-GAAP
Apr - Sep, 2025 33,242 ー 3,939 2,691 68.9 49.9 Nov 10, 2025 J-GAAP
YoY +6.0% － +14.8% +19.9% +19.7%

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 3,600 2,400 61.5 17 May 12, 2025 J-GAAP
Apr - Sep, 2025 Results 33,242 ー 3,939 2,691 68.9 17 Nov 10, 2025 J-GAAP
Revision Rate － － +9.4% +12.1% +12.1%

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 34,788 ー 4,403 3,471 89.0 17 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 3,961 3,109 79.6 19 Nov 10, 2025 J-GAAP
YoY － － -10.0% -10.4% -10.6%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 65,163 ー 7,909 5,055 129.4 32 May 13, 2024 J-GAAP
Mar, 2025 66,146 ー 7,835 5,715 146.5 34 May 12, 2025 J-GAAP
Mar, 2026 Guidance ー ー 7,900 5,800 148.5 36 May 12, 2025 J-GAAP
YoY － － +0.8% +1.5% +1.4%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 15,106 ー 1,368 590 15.1 0.0 Nov 11, 2024 J-GAAP
Oct - Dec, 2024 15,870 ー 1,979 1,399 35.9 0.0 Feb 3, 2025 J-GAAP
Jan - Mar, 2025 18,918 ー 2,424 2,072 53.1 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 15,330 ー 2,494 1,742 44.6 0.0 Aug 4, 2025 J-GAAP
Jul - Sep, 2025 17,912 ー 1,445 949 24.3 0.0 Nov 10, 2025 J-GAAP
YoY +18.6% － +5.6% +60.8% +60.6%

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