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Bank of Toyama, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 37%, Exceeds Full-Year Plan

Thu Feb 5, 2026 2:30 pm JST Earnings

8365 The Bank of Toyama,Ltd. 【J-GAAP】

Earnings Report

The Bank of Toyama,Ltd. <8365> [TSE Std] announced its financial results in the afternoon session on February 5th (14:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) expanded 1.16 billion yen, an increase 37.2% compared to the same period last year. Progress toward the full-year plan of 1.00 billion yen is 116.2%, already exceeding the target and also exceeding the three-year average of 96.3%.

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 0.16 billion yen (compared to a profit of 0.44 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 2.2 times that of the same period last year, reaching 0.17 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 7,934 ー 1,002 787 145.4 127.2 Feb 6, 2024 J-GAAP
Apr - Dec, 2024 7,353 ー 847 588 108.9 65.6 Feb 7, 2025 J-GAAP
Apr - Dec, 2025 9,488 ー 1,162 750 140.8 116.2 Feb 5, 2026 J-GAAP
YoY +29.0% － +37.2% +27.6% +29.3%

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 5,130 ー 522 417 77.5 25 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 13 121 22.7 25 Nov 7, 2025 J-GAAP
YoY － － -97.5% -71.0% -70.7%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 10,146 ー 788 632 116.7 50 May 10, 2024 J-GAAP
Mar, 2025 9,675 ー 1,291 954 177.4 50 May 9, 2025 J-GAAP
Mar, 2026 Guidance ー ー 1,000 750 140.6 50 May 9, 2025 J-GAAP
YoY － － -22.5% -21.4% -20.7%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 2,808 ー 78 51 9.4 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 2,322 ー 444 366 68.0 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 3,545 ー 645 399 75.0 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 2,592 ー 342 230 43.2 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025 3,351 ー 175 121 22.7 0.0 Feb 5, 2026 J-GAAP
YoY +19.3% － +124.4% +137.3% +140.7%

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