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North Pacific Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 66%, Oct-Dec Ordinary Profit Increases by 85%

Tue Feb 10, 2026 2:00 pm JST Earnings

8524 North Pacific Bank,Ltd. 【J-GAAP】

Earnings Report

North Pacific Bank,Ltd. <8524> [TSE Prime] announced its financial results in the afternoon session on February 10th (14:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) expanded 29.3 billion yen, an increase 65.9% compared to the same period last year. Progress toward the full-year plan of 36.2 billion yen was 81.1%, almost the same as the five-year average of 80.4%.

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 drop 34.0% from the same period last year to 6.84 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit increased 85.2% from the same period last year, reaching 10.9 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 97,431 ー 13,138 10,021 26.0 70.6 Feb 8, 2024 J-GAAP
Apr - Dec, 2024 108,876 ー 17,696 12,586 32.9 63.0 Feb 10, 2025 J-GAAP
Apr - Dec, 2025 139,610 ー 29,357 20,413 54.2 81.1 Feb 10, 2026 J-GAAP
YoY +28.2% － +65.9% +62.2% +64.9%

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 81,942 ー 16,300 12,159 31.8 12.50 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance 123,757 ー 17,819 11,725 31.1 13 Jan 29, 2026 J-GAAP
YoY +51.0% － +9.3% -3.6% -2.1%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 133,114 ー 18,605 12,830 33.3 10 May 14, 2024 J-GAAP
Mar, 2025 150,637 ー 28,070 20,608 53.9 19 May 13, 2025 J-GAAP
Mar, 2026 Guidance 212,800 ー 36,200 24,300 64.5 26 Jan 29, 2026 J-GAAP
YoY +41.3% － +29.0% +17.9% +19.7%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 40,181 ー 5,926 4,137 10.8 0.0 Feb 10, 2025 J-GAAP
Jan - Mar, 2025 41,761 ー 10,374 8,022 21.0 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 43,811 ー 8,115 5,909 15.7 0.0 Aug 5, 2025 J-GAAP
Jul - Sep, 2025 45,232 ー 10,266 6,666 17.7 0.0 Nov 11, 2025 J-GAAP
Oct - Dec, 2025 50,567 ー 10,976 7,838 20.8 0.0 Feb 10, 2026 J-GAAP
YoY +25.8% － +85.2% +89.5% +92.8%

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