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Hyakugo Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 9%, Raises Record High Profit Forecast, Dividend Revised Upward by 2 Yen

Mon Nov 10, 2025 3:20 pm JST Earnings

8368 The Hyakugo Bank, Ltd. 【J-GAAP】

Earnings Report

The Hyakugo Bank, Ltd. <8368> [TSE Prime] announced its financial results in the afternoon session on November 10th (15:20). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 9.8% from the same period last year, reaching 14.0 billion yen, resulting in an increase in profits compared to the previous forecast of an 11.1% decrease.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 9.1%, from the previous forecast of 26.4 billion yen to 28.8 billion yen (compared to 25.7 billion yen in the previous period), increasing the growth rate from 2.7% to 12.0%, further surpassing the previous forecast of record-high profits for two consecutive terms.

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 grow 14.2% from the same period last year, reaching 14.7 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 24 yen to 26 yen (compared to 21 yen in the previous period).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 61.3% from the same period last year, reaching 8.96 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 58,912 ー 11,675 8,327 32.8 58.2 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 59,893 ー 12,824 9,192 36.9 49.9 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 72,940 ー 14,085 10,175 41.7 48.9 Nov 10, 2025 J-GAAP
YoY +21.8% － +9.8% +10.7% +13.1%

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 11,400 8,100 33.4 12 May 9, 2025 J-GAAP
Apr - Sep, 2025 Results 72,940 ー 14,085 10,175 41.7 13 Nov 10, 2025 J-GAAP
Revision Rate － － +23.6% +25.6% +24.9%

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 26,400 18,500 76.2 24 May 9, 2025 J-GAAP
Mar, 2026 New ー ー 28,800 20,600 84.9 26 Nov 10, 2025 J-GAAP
Revision Rate － － +9.1% +11.4% +11.3%

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 64,598 ー 12,880 8,850 35.7 12 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 14,715 10,425 43.0 13 Nov 10, 2025 J-GAAP
YoY － － +14.2% +17.8% +20.2%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 119,487 ー 20,054 14,281 56.4 15 May 10, 2024 J-GAAP
Mar, 2025 124,491 ー 25,704 18,042 72.9 21 May 9, 2025 J-GAAP
Mar, 2026 Guidance ー ー 28,800 20,600 84.9 26 Nov 10, 2025 J-GAAP
YoY － － +12.0% +14.2% +16.5%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 30,934 ー 5,559 3,800 15.3 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 29,747 ー 7,614 5,426 21.9 0.0 Feb 4, 2025 J-GAAP
Jan - Mar, 2025 34,851 ー 5,266 3,424 13.8 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 34,140 ー 5,117 3,790 15.5 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 38,800 ー 8,968 6,385 26.2 0.0 Nov 10, 2025 J-GAAP
YoY +25.4% － +61.3% +68.0% +71.6%

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