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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.

Kabutan News

Actual Performance and Financial Trends

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
7,934M 1,002M 787M 145.4 127.2 Feb 6, 2024 J-GAAP
Apr - Dec, 2024
7,353M 847M 588M 108.9 65.6 Feb 7, 2025 J-GAAP
Apr - Dec, 2025
9,488M 1,162M 750M 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
5,130M 522M 417M 77.5 25 May 9, 2025 J-GAAP
Guidance
Oct - Mar, 2025
13M 121M 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
10,146M 788M 632M 116.7 50 May 10, 2024 J-GAAP
Mar, 2025
9,675M 1,291M 954M 177.4 50 May 9, 2025 J-GAAP
Guidance
Mar, 2026
1,000M 750M 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
2,808M 78M 51M 9.4 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025
2,322M 444M 366M 68.0 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025
3,545M 645M 399M 75.0 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025
2,592M 342M 230M 43.2 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025
3,351M 175M 121M 22.7 0.0 Feb 5, 2026 J-GAAP
YoY +19.3% +124.4% +137.3% +140.7%