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SHIMANE BANK, First Half Ordinary Profit Decreases by 43%, Jul-Sep Ordinary Profit Decreases by 32%

Fri Nov 14, 2025 3:30 pm JST Earnings

7150 THE SHIMANE BANK,LTD. 【J-GAAP】

Earnings Report

THE SHIMANE BANK,LTD. <7150> [TSE Std] announced its financial results after the market closed on November 14th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) dropped 43.5% from the same period last year to 342 million yen. Progress toward the full-year plan of 450 million yen was 76.0%, below the five-year average of 88.6%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to significant drop 57.3% from the same period last year to 108 million yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit dropped to 102 million yen, a 32.5% decrease compared to the same period last year.

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Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Sep, 2023 4,371 377 290 28.4 71.0 Nov 14, 2023 J-GAAP
Apr - Sep, 2024 5,206 605 502 54.0 70.5 Nov 12, 2024 J-GAAP
Apr - Sep, 2025 5,380 342 315 31.4 76.0 Nov 14, 2025 J-GAAP
YoY +3.3% -43.5% -37.3% -41.9%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance 5,380 340 310 37.7 5 Nov 7, 2025 J-GAAP
Apr - Sep, 2025 Results 5,380 342 315 31.4 5 Nov 14, 2025 J-GAAP
Revision Rate 0.0% +0.6% +1.6% -16.8%

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 5,140 253 107 10.6 5 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance 5,180 108 55 4.6 5 Nov 14, 2025 J-GAAP
YoY +0.8% -57.3% -48.6% -56.7%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 9,203 531 419 37.4 10 May 13, 2024 J-GAAP
Mar, 2025 10,346 858 609 60.4 10 May 13, 2025 J-GAAP
Mar, 2026 Guidance 10,560 450 370 30.9 10 May 13, 2025 J-GAAP
YoY +2.1% -47.6% -39.2% -48.8%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 2,601 151 132 14.2 0.0 Nov 12, 2024 J-GAAP
Oct - Dec, 2024 2,510 204 134 14.8 0.0 Jan 31, 2025 J-GAAP
Jan - Mar, 2025 2,630 49 -27 -2.7 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 2,573 240 196 23.8 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 2,807 102 119 11.9 0.0 Nov 14, 2025 J-GAAP
YoY +7.9% -32.5% -9.8% -16.5%

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