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Toho Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 20%, Dividend Revised Upward by 2 Yen

Tue Feb 10, 2026 12:00 pm JST Earnings

8346 The Toho Bank, Ltd. 【J-GAAP】

Earnings Report

The Toho Bank, Ltd. <8346> [TSE Prime] announced its financial results at noon (12:00) on February 10th. The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) expanded 14.5 billion yen, an increase 48.5% compared to the same period last year.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 20.1%, from the previous forecast of 13.4 billion yen to 16.1 billion yen (compared to 11.1 billion yen in the previous period), increasing the growth rate from 19.7% to 43.8%.

Based on the full-year plan announced by the company after the upward revision, our estimate of the consolidated ordinary profit for the October to March period (second half) is expected to increase 63.2%, from the previous forecast of 4.26 billion yen to 6.96 billion yen (compared to 4.36 billion yen in the same period of the previous year), turning to a 59.6% increase in the consolidated ordinary profit outlook.

In light of the strong performance, the company has increased its planned annual dividend for the current fiscal year from the original plan of 14 yen to 16 yen (compared to 9 yen in the previous period).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit increased 82.4% from the same period last year, reaching 5.42 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 43,978 ー 8,149 5,531 21.9 97.9 Feb 6, 2024 J-GAAP
Apr - Dec, 2024 50,491 ー 9,806 6,567 26.3 87.6 Feb 5, 2025 J-GAAP
Apr - Dec, 2025 68,276 ー 14,560 9,974 39.9 90.4 Feb 10, 2026 J-GAAP
YoY +35.2% － +48.5% +51.9% +52.1%

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 43,631 ー 4,269 3,029 12.1 7 Nov 7, 2025 J-GAAP
Oct - Mar, 2025 New 45,231 ー 6,969 4,929 19.7 9 Feb 10, 2026 J-GAAP
Revision Rate +3.7% － +63.2% +62.7% +62.7%

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 88,200 ー 13,400 9,300 37.2 14 Nov 7, 2025 J-GAAP
Mar, 2026 New 89,800 ー 16,100 11,200 44.8 16 Feb 10, 2026 J-GAAP
Revision Rate +1.8% － +20.1% +20.4% +20.4%

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 37,705 ー 4,367 2,871 11.5 5 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 45,231 ー 6,969 4,929 19.7 9 Feb 10, 2026 J-GAAP
YoY +20.0% － +59.6% +71.7% +71.8%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 58,984 ー 8,321 5,252 20.8 7 May 14, 2024 J-GAAP
Mar, 2025 70,443 ー 11,197 7,445 29.8 9 May 9, 2025 J-GAAP
Mar, 2026 Guidance 89,800 ー 16,100 11,200 44.8 16 Feb 10, 2026 J-GAAP
YoY +27.5% － +43.8% +50.4% +50.5%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 17,753 ー 2,976 1,993 8.0 0.0 Feb 5, 2025 J-GAAP
Jan - Mar, 2025 19,952 ー 1,391 878 3.5 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 22,453 ー 4,865 3,403 13.6 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 22,116 ー 4,266 2,868 11.5 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025 23,707 ー 5,429 3,703 14.8 0.0 Feb 10, 2026 J-GAAP
YoY +33.5% － +82.4% +85.8% +85.9%

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