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Keiyo Bank, Oct-Dec (3Q) Ordinary Profit Decreases by 19%, Current Fiscal Year Dividend Revised Upward by 2 Yen

Mon Feb 9, 2026 1:30 pm JST Earnings

8544 The Keiyo Bank, Ltd. 【J-GAAP】

Earnings Report

The Keiyo Bank, Ltd. <8544> [TSE Prime] announced its financial results in the afternoon session on February 9th (13:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) was 17.8 billion yen, a 1.2% increase compared to the same period last year. Progress toward the full-year plan of 21.7 billion yen was 82.4%, it was below the five-year average of 90.1%.

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 for the January to March period (4Q) is expected to surge 6.9 times that of the same period last year, reaching 3.82 billion yen.

At the same time, the company has increased its planned annual dividend for the current fiscal year from the original plan of 38 yen to 40 yen (compared to 30 yen in the previous period).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit decreased to 4.65 billion yen, a 19.2% decrease compared to the same period last year.

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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 54,827 ー 13,131 9,034 72.1 83.8 Feb 6, 2024 J-GAAP
Apr - Dec, 2024 59,961 ー 17,662 12,197 99.1 97.0 Feb 7, 2025 J-GAAP
Apr - Dec, 2025 79,993 ー 17,879 12,637 104.4 82.4 Feb 9, 2026 J-GAAP
YoY +33.4% － +1.2% +3.6% +5.3%

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 8,478 5,840 48.6 19 Nov 10, 2025 J-GAAP
Oct - Mar, 2025 New ー ー 8,478 5,840 48.6 21 Feb 9, 2026 J-GAAP
Revision Rate － － 0.0% 0.0% 0.0%

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev ー ー 21,700 15,000 124.8 38 Nov 10, 2025 J-GAAP
Mar, 2026 New ー ー 21,700 15,000 124.8 40 Feb 9, 2026 J-GAAP
Revision Rate － － 0.0% 0.0% 0.0%

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 40,798 ー 6,317 4,482 36.6 16 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 8,478 5,840 48.6 21 Feb 9, 2026 J-GAAP
YoY － － +34.2% +30.3% +32.9%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 70,215 ー 15,678 10,878 87.1 24 May 9, 2024 J-GAAP
Mar, 2025 80,370 ー 18,214 12,756 104.1 30 May 13, 2025 J-GAAP
Mar, 2026 Guidance ー ー 21,700 15,000 124.8 40 Feb 9, 2026 J-GAAP
YoY － － +19.1% +17.6% +19.9%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 20,389 ー 5,765 3,923 31.9 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 20,409 ー 552 559 4.6 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 22,903 ー 5,809 4,111 33.9 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 26,754 ー 7,413 5,049 41.7 0.0 Nov 10, 2025 J-GAAP
Oct - Dec, 2025 30,336 ー 4,657 3,477 28.7 0.0 Feb 9, 2026 J-GAAP
YoY +48.8% － -19.2% -11.4% -9.9%

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