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Tsukuba Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 2.2 times, Exceeds Full-Year Plan

Thu Feb 5, 2026 3:00 pm JST Earnings

8338 Tsukuba Bank, Ltd. 【J-GAAP】

Earnings Report

Tsukuba Bank, Ltd. <8338> [TSE Prime] announced its financial results in the afternoon session on February 5th (15:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) surged 2.2 times that of the same period last year, reaching 6.61 billion yen. Progress toward the full-year plan of 6.00 billion yen is 110.2%, almost the same as the five-year average of 109.6%.

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 0.61 billion yen (compared to a profit of 1.47 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 3.3 times that of the same period last year, reaching 2.48 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 30,049 ー 3,081 2,688 32.7 124.9 Feb 2, 2024 J-GAAP
Apr - Dec, 2024 30,401 ー 2,997 2,545 30.9 67.0 Feb 5, 2025 J-GAAP
Apr - Dec, 2025 37,421 ー 6,614 5,696 69.1 110.2 Feb 5, 2026 J-GAAP
YoY +23.1% － +120.7% +123.8% +123.7%

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 20,825 ー 2,240 2,157 26.2 5 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 1,872 1,412 17.1 5 Nov 7, 2025 J-GAAP
YoY － － -16.4% -34.5% -34.6%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 41,092 ー 2,467 2,195 26.6 5 May 10, 2024 J-GAAP
Mar, 2025 41,126 ー 4,476 4,103 49.8 5 May 9, 2025 J-GAAP
Mar, 2026 Guidance ー ー 6,000 5,200 63.1 5 Nov 7, 2025 J-GAAP
YoY － － +34.0% +26.7% +26.7%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 10,100 ー 761 599 7.3 0.0 Feb 5, 2025 J-GAAP
Jan - Mar, 2025 10,725 ー 1,479 1,558 18.9 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 11,552 ー 2,005 1,728 21.0 0.0 Aug 7, 2025 J-GAAP
Jul - Sep, 2025 12,395 ー 2,123 2,060 25.0 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025 13,474 ー 2,486 1,908 23.2 0.0 Feb 5, 2026 J-GAAP
YoY +33.4% － +226.7% +218.5% +218.1%

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