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Keiyo Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 13%, Dividend Revised Upward by 2 Yen

Mon Nov 10, 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 November 10th (13:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 11.1% from the same period last year, reaching 13.2 billion yen.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 13.0%, from the previous forecast of 19.2 billion yen to 21.7 billion yen (compared to 18.2 billion yen in the previous period), increasing the growth rate from 5.4% to 19.1%.

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 expand 34.2% from the same period last year, reaching 8.47 billion yen.

In light of the strong performance, the company has increased its planned annual dividend for the current fiscal year from the original plan of 36 yen to 38 yen (compared to 30 yen in the previous period).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 80.8% from the same period last year, reaching 7.41 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 36,661 ー 8,713 6,017 47.9 55.6 Nov 7, 2023 J-GAAP
Apr - Sep, 2024 39,572 ー 11,897 8,274 67.0 65.3 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 49,657 ー 13,222 9,160 75.6 60.9 Nov 10, 2025 J-GAAP
YoY +25.5% － +11.1% +10.7% +12.8%

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 49,600 ー 13,200 9,100 75.1 18 Oct 29, 2025 J-GAAP
Apr - Sep, 2025 Results 49,657 ー 13,222 9,160 75.6 19 Nov 10, 2025 J-GAAP
Revision Rate +0.1% － +0.2% +0.7% +0.7%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev ー ー 19,200 13,500 111.8 36 May 13, 2025 J-GAAP
Mar, 2026 New ー ー 21,700 15,000 124.2 38 Nov 10, 2025 J-GAAP
Revision Rate － － +13.0% +11.1% +11.1%

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 40,798 ー 6,317 4,482 36.6 16 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 8,478 5,840 48.4 19 Nov 10, 2025 J-GAAP
YoY － － +34.2% +30.3% +32.3%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 70,215 ー 15,678 10,878 87.1 24 May 9, 2024 J-GAAP
Mar, 2025 80,370 ー 18,214 12,756 104.1 30 May 13, 2025 J-GAAP
Mar, 2026 Guidance ー ー 21,700 15,000 124.2 38 Nov 10, 2025 J-GAAP
YoY － － +19.1% +17.6% +19.4%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
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
Jan - Mar, 2025 20,409 ー 552 559 4.6 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 22,903 ー 5,809 4,111 33.9 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 26,754 ー 7,413 5,049 41.7 0.0 Nov 10, 2025 J-GAAP
YoY +48.8% － +80.8% +76.7% +79.9%

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