kabutan

The Minami-Nippon Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Decreases by 2%, Exceeds Full-Year Plan

Wed Feb 4, 2026 3:30 pm JST Earnings

8554 The Minami-Nippon Bank,Ltd. 【J-GAAP】

Earnings Report

The Minami-Nippon Bank,Ltd. <8554> [FSE] announced its financial results after the market closed on February 4th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) was 2.46 billion yen, a 1.8% decrease compared to the same period last year. Progress toward the full-year plan of 1.80 billion yen is 136.8%, already exceeding the target and also exceeding the five-year average of 84.1%.

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 loss of 0.66 billion yen (compared to a profit of 0.24 billion yen in the same period last year). However, if the fourth-quarter performance remains at the same level as the first three quarters, the full-year plan may be increased.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit surged 2.1 times that of the same period last year, reaching 1.05 billion yen.

Kabutan News

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 11,037 ー 1,671 1,418 163.5 82.1 Feb 7, 2024 J-GAAP
Apr - Dec, 2024 12,723 ー 2,508 1,822 218.0 91.2 Feb 5, 2025 J-GAAP
Apr - Dec, 2025 12,607 ー 2,462 2,307 283.0 136.8 Feb 4, 2026 J-GAAP
YoY -0.9% － -1.8% +26.6% +29.8%

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 8,000 ー 737 674 80.3 35 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 393 -255 -29.6 35 Nov 7, 2025 J-GAAP
YoY － － -46.7% － －

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 14,565 ー 2,035 1,613 183.8 30 May 10, 2024 J-GAAP
Mar, 2025 16,517 ー 2,749 2,188 260.6 35 May 9, 2025 J-GAAP
Mar, 2026 Guidance ー ー 1,800 1,200 139.4 35 May 9, 2025 J-GAAP
YoY － － -34.5% -45.2% -46.5%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 4,206 ー 496 308 36.9 0.0 Feb 5, 2025 J-GAAP
Jan - Mar, 2025 3,794 ー 241 366 43.6 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 4,149 ー 797 775 95.2 0.0 Aug 6, 2025 J-GAAP
Jul - Sep, 2025 3,951 ー 610 680 83.2 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025 4,507 ー 1,055 852 104.5 0.0 Feb 4, 2026 J-GAAP
YoY +7.2% － +112.7% +176.6% +183.6%

Related Articles