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TOWA BANK, First Half Ordinary Profit Increases by 46%, Jul-Sep Ordinary Profit Increases by 15%

Tue Nov 11, 2025 3:30 pm JST Earnings

8558 THE TOWA BANK,LTD. 【J-GAAP】

Earnings Report

THE TOWA BANK,LTD. <8558> [TSE Prime] announced its financial results after the market closed on November 11th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 3.01 billion yen, an increase 46.0% compared to the same period last year. Progress toward the full-year plan of 3.50 billion yen was 86.2%, also surpassing the five-year average of 61.2%.

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 significant drop 88.8% from the same period last year to 0.48 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit grew 14.8% from the same period last year, reaching 1.56 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 17,301 ー 2,001 1,531 41.4 46.2 Nov 7, 2023 J-GAAP
Apr - Sep, 2024 16,776 ー 2,066 1,196 32.3 32.3 Nov 12, 2024 J-GAAP
Apr - Sep, 2025 20,546 ー 3,016 3,127 87.2 86.2 Nov 11, 2025 J-GAAP
YoY +22.5% － +46.0% +161.5% +170.0%

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 20,540 ー 3,010 3,120 88.0 0 Nov 4, 2025 J-GAAP
Apr - Sep, 2025 Results 20,546 ー 3,016 3,127 87.2 0 Nov 11, 2025 J-GAAP
Revision Rate +0.0% － +0.2% +0.2% -1.0%

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 21,039 ー 4,323 3,324 90.0 35 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 484 373 10.5 35 Nov 11, 2025 J-GAAP
YoY － － -88.8% -88.8% -88.3%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 34,138 ー 4,335 3,530 89.8 35 May 9, 2024 J-GAAP
Mar, 2025 37,815 ー 6,389 4,520 122.4 35 May 12, 2025 J-GAAP
Mar, 2026 Guidance ー ー 3,500 3,500 98.8 35 Nov 4, 2025 J-GAAP
YoY － － -45.2% -22.6% -19.3%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 8,731 ー 1,361 531 14.3 0.0 Nov 12, 2024 J-GAAP
Oct - Dec, 2024 8,839 ー 965 779 21.1 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 12,200 ー 3,358 2,545 68.9 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 9,866 ー 1,453 1,906 52.5 0.0 Aug 5, 2025 J-GAAP
Jul - Sep, 2025 10,680 ー 1,563 1,221 34.1 0.0 Nov 11, 2025 J-GAAP
YoY +22.3% － +14.8% +129.9% +137.4%

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