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Chiba Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 6%, Raises Record High Profit Forecast, Dividend Revised Upward by 4 Yen

Mon Feb 2, 2026 3:30 pm JST Earnings

8331 The Chiba Bank, Ltd. 【J-GAAP】

Earnings Report

The Chiba Bank, Ltd. <8331> [TSE Prime] announced its financial results after the market closed on February 2nd (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) increased 25.1% from the same period last year, reaching 99.7 billion yen.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 5.9%, from the previous forecast of 124 billion yen to 131 billion yen (compared to 107 billion yen in the previous period), increasing the growth rate from 15.6% to 22.4%, further surpassing the previous forecast of record-high profits for four consecutive terms.

Based on the full-year plan announced by the company after the upward revision, our estimate of the consolidated ordinary profit for the October to March period (second half) is expected to increase 12.2%, from the previous forecast of 59.9 billion yen to 67.2 billion yen (compared to 53.1 billion yen in the same period of the previous year), increasing the growth rate from 12.7% to 26.4%.

In light of the strong performance, the company has increased its planned annual dividend for the current fiscal year from the original plan of 48 yen to 52 yen (compared to 40 yen in the previous period).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit increased 39.1% from the same period last year, reaching 35.3 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 231,809 ー 72,570 50,129 69.3 80.4 Feb 2, 2024 J-GAAP
Apr - Dec, 2024 262,602 ー 79,722 54,533 76.3 74.2 Feb 7, 2025 J-GAAP
Apr - Dec, 2025 323,670 ー 99,714 68,805 97.6 75.8 Feb 2, 2026 J-GAAP
YoY +23.3% － +25.1% +26.2% +27.9%

Guidance Update

Second Half Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2025 Prev ー ー 59,905 40,778 58.4 24 Nov 7, 2025 J-GAAP
Oct - Mar, 2025 New ー ー 67,205 45,778 65.6 28 Feb 2, 2026 J-GAAP
Revision Rate － － +12.2% +12.3% +12.3%

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev ー ー 124,300 85,000 121.8 48 May 8, 2025 J-GAAP
Mar, 2026 New ー ー 131,600 90,000 129.0 52 Feb 2, 2026 J-GAAP
Revision Rate － － +5.9% +5.9% +5.9%

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 188,545 ー 53,172 36,487 51.2 22 May 8, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 67,205 45,778 65.6 28 Feb 2, 2026 J-GAAP
YoY － － +26.4% +25.5% +28.2%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 310,742 ー 90,262 62,440 86.5 32 May 10, 2024 J-GAAP
Mar, 2025 362,179 ー 107,506 74,259 104.2 40 May 8, 2025 J-GAAP
Mar, 2026 Guidance ー ー 131,600 90,000 129.0 52 Feb 2, 2026 J-GAAP
YoY － － +22.4% +21.2% +23.8%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 88,968 ー 25,388 16,761 23.5 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 99,577 ー 27,784 19,726 27.7 0.0 May 8, 2025 J-GAAP
Apr - Jun, 2025 102,755 ー 31,070 21,783 30.8 0.0 Aug 4, 2025 J-GAAP
Jul - Sep, 2025 108,615 ー 33,325 22,439 31.7 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025 112,300 ー 35,319 24,583 34.9 0.0 Feb 2, 2026 J-GAAP
YoY +26.2% － +39.1% +46.7% +48.7%

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