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North Pacific Bank, First Half Ordinary Profit Increases by 56%, Jul-Sep Ordinary Profit Increases by 2.3 times

Tue Nov 11, 2025 2:00 pm JST Earnings

8524 North Pacific Bank,Ltd. 【J-GAAP】

Earnings Report

North Pacific Bank,Ltd. <8524> [TSE Prime] announced its financial results in the afternoon session on November 11th (14:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 18.3 billion yen, an increase 56.2% compared to the same period last year. Progress toward the full-year plan of 34.8 billion yen was 52.8%, almost the same as the five-year average of 53.4%.

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 nearly flat at 16.4 billion yen, up 0.7% from the same period last year.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit surged 2.3 times that of the same period last year, reaching 10.2 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 65,083 ー 8,642 6,643 17.3 46.4 Nov 13, 2023 J-GAAP
Apr - Sep, 2024 68,695 ー 11,770 8,449 22.1 41.9 Nov 12, 2024 J-GAAP
Apr - Sep, 2025 89,043 ー 18,381 12,575 33.4 52.8 Nov 11, 2025 J-GAAP
YoY +29.6% － +56.2% +48.8% +51.4%

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 85,300 ー 16,000 11,000 29.2 13 May 13, 2025 J-GAAP
Apr - Sep, 2025 Results 89,043 ー 18,381 12,575 33.4 13 Nov 11, 2025 J-GAAP
Revision Rate +4.4% － +14.9% +14.3% +14.3%

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 81,942 ー 16,300 12,159 31.8 12.50 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance 84,257 ー 16,419 11,725 31.1 13 Nov 11, 2025 J-GAAP
YoY +2.8% － +0.7% -3.6% -2.1%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 133,114 ー 18,605 12,830 33.3 10 May 14, 2024 J-GAAP
Mar, 2025 150,637 ー 28,070 20,608 53.9 19 May 13, 2025 J-GAAP
Mar, 2026 Guidance 173,300 ー 34,800 24,300 64.5 26 May 13, 2025 J-GAAP
YoY +15.0% － +24.0% +17.9% +19.7%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 34,943 ー 4,391 3,213 8.4 0.0 Nov 12, 2024 J-GAAP
Oct - Dec, 2024 40,181 ー 5,926 4,137 10.8 0.0 Feb 10, 2025 J-GAAP
Jan - Mar, 2025 41,761 ー 10,374 8,022 21.0 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 43,811 ー 8,115 5,909 15.7 0.0 Aug 5, 2025 J-GAAP
Jul - Sep, 2025 45,232 ー 10,266 6,666 17.7 0.0 Nov 11, 2025 J-GAAP
YoY +29.4% － +133.8% +107.5% +111.0%

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