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The Miyazaki Taiyo Bank, First Half Ordinary Profit Decreases by 25%, Jul-Sep Ordinary Profit Decreases by 26%

Mon Nov 10, 2025 1:30 pm JST Earnings

8560 The Miyazaki Taiyo Bank, Ltd. 【J-GAAP】

Earnings Report

The Miyazaki Taiyo Bank, Ltd. <8560> [FSE] 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) decreased 25.2% from the same period last year to 0.92 billion yen. Progress toward the full-year plan of 1.90 billion yen was 48.6%, also falling below the five-year average of 61.0%.

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 49.7% from the same period last year, reaching 0.97 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit decreased to 0.31 billion yen, a 25.6% decrease 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 7,580 ー 1,395 1,120 202.0 56.8 Nov 9, 2023 J-GAAP
Apr - Sep, 2024 7,352 ー 1,235 869 154.6 65.4 Nov 11, 2024 J-GAAP
Apr - Sep, 2025 8,382 ー 924 597 103.2 48.6 Nov 10, 2025 J-GAAP
YoY +14.0% － -25.2% -31.3% -33.3%

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 7,750 ー 950 700 132.4 25 May 12, 2025 J-GAAP
Apr - Sep, 2025 Results 8,382 ー 924 597 103.2 25 Nov 10, 2025 J-GAAP
Revision Rate +8.2% － -2.7% -14.7% -22.1%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 15,500 ー 1,900 1,400 245.0 50 May 12, 2025 J-GAAP
Mar, 2026 New 16,000 ー 1,900 1,400 245.0 50 Nov 10, 2025 J-GAAP
Revision Rate +3.2% － 0.0% 0.0% 0.0%

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 7,507 ー 652 463 80.7 25 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance 7,618 ー 976 803 140.5 25 Nov 10, 2025 J-GAAP
YoY +1.5% － +49.7% +73.4% +74.1%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 14,615 ー 2,457 1,763 313.7 50 May 13, 2024 J-GAAP
Mar, 2025 14,859 ー 1,887 1,332 232.2 50 May 12, 2025 J-GAAP
Mar, 2026 Guidance 16,000 ー 1,900 1,400 245.0 50 Nov 10, 2025 J-GAAP
YoY +7.7% － +0.7% +5.1% +5.5%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 3,651 ー 426 318 56.6 0.0 Nov 11, 2024 J-GAAP
Oct - Dec, 2024 3,859 ー 805 529 96.4 0.0 Feb 10, 2025 J-GAAP
Jan - Mar, 2025 3,648 ー -153 -66 -11.5 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 4,138 ー 607 425 80.5 0.0 Aug 7, 2025 J-GAAP
Jul - Sep, 2025 4,244 ー 317 172 29.7 0.0 Nov 10, 2025 J-GAAP
YoY +16.2% － -25.6% -45.9% -47.5%

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