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TOCHIGI BANK, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 59%, Oct-Dec Ordinary Profit Increases by 5%

Fri Jan 30, 2026 3:00 pm JST Earnings

8550 THE TOCHIGI BANK,LTD. 【J-GAAP】

Earnings Report

THE TOCHIGI BANK,LTD. <8550> [TSE Prime] announced its financial results in the afternoon session on January 30th (15:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) expanded 8.26 billion yen, an increase 58.9% compared to the same period last year. Progress toward the full-year plan of 9.10 billion yen was 90.8%, also surpassing the five-year average of 85.5%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit/loss for the January to March period (4Q) is expected to turn into a profit of 0.83 billion yen (compared to a loss of 28.8 billion yen in the same period last year).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit grew 5.3% from the same period last year, reaching 3.33 billion yen.

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Actual Results

Accumulated Results 3rd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Dec, 2023 33,586 3,557 1,515 14.6 84.0 Jan 31, 2024 J-GAAP
Apr - Dec, 2024 34,252 5,203 3,788 36.6 Jan 31, 2025 J-GAAP
Apr - Dec, 2025 39,007 8,267 7,061 67.9 90.8 Jan 30, 2026 J-GAAP
YoY +13.9% +58.9% +86.4% +85.8%

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 22,952 -25,678 -23,798 -229.6 3.50 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 25,366 4,166 3,456 33.2 12 Nov 7, 2025 J-GAAP
YoY +10.5%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 45,276 4,234 2,101 20.3 6 May 10, 2024 J-GAAP
Mar, 2025 45,087 -23,641 -22,328 -215.5 7 May 9, 2025 J-GAAP
Mar, 2026 Guidance 50,500 9,100 7,800 74.9 24 Oct 29, 2025 J-GAAP
YoY +12.0%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 12,117 3,166 2,318 22.4 0.0 Jan 31, 2025 J-GAAP
Jan - Mar, 2025 10,835 -28,844 -26,116 -252.0 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 11,877 2,497 1,727 16.7 0.0 Jul 30, 2025 J-GAAP
Jul - Sep, 2025 13,257 2,437 2,617 25.2 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025 13,873 3,333 2,717 26.1 0.0 Jan 30, 2026 J-GAAP
YoY +14.5% +5.3% +17.2% +16.9%

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