FIRST BANK TOYAMA, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 2.1 times, Exceeds Full-Year Plan

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Fri Feb 7, 2025 3:00 pm JST Earnings

7184 THE FIRST BANK OF TOYAMA, LTD. 【J-GAAP】

Earnings Report

THE FIRST BANK OF TOYAMA, LTD. <7184> [TSE Prime] announced its financial results in the afternoon session on February 7th (15:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) surged 2.1 times that of the same period last year, reaching 19.3 billion yen. The progress rate toward the full-year plan of 18.9 billion yen is 102.3%, but it was lower than the five-year average of 108.7%.

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 0.43 billion yen (compared to a profit of 0.09 billion yen in the same period last year).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit grew 8.6% from the same period last year, reaching 4.46 billion yen.

Kabutan News

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, 2022	26,460	ー	6,651	4,457	69.2	105.1	Feb 3, 2023	J-GAAP
Apr - Dec, 2023	29,104	ー	9,127	5,716	89.7	99.0	Feb 2, 2024	J-GAAP
Apr - Dec, 2024	41,298	ー	19,334	13,644	213.3	102.3	Feb 7, 2025	J-GAAP
YoY	+41.9%	－	+111.8%	+138.7%	+137.8%

Current Period Guidance

Second Half Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2023	19,193	ー	4,211	2,477	38.9	13	May 10, 2024	J-GAAP
Oct - Mar, 2024 Guidance	ー	ー	4,034	2,492	39.1	15	Nov 8, 2024	J-GAAP
YoY	－	－	-4.2%	+0.6%	+0.4%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	35,252	ー	6,326	4,203	65.4	20	May 10, 2023	J-GAAP
Mar, 2024	38,678	ー	9,223	5,284	83.0	25	May 10, 2024	J-GAAP
Mar, 2025 Guidance	ー	ー	18,900	13,000	203.9	30	Oct 28, 2024	J-GAAP
YoY	－	－	+104.9%	+146.0%	+145.6%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	9,619	ー	4,115	2,909	45.7	0.0	Feb 2, 2024	J-GAAP
Jan - Mar, 2024	9,574	ー	96	-432	-6.8	0.0	May 10, 2024	J-GAAP
Apr - Jun, 2024	19,126	ー	11,560	7,978	124.4	0.0	Aug 2, 2024	J-GAAP
Jul - Sep, 2024	10,108	ー	3,306	2,530	39.5	0.0	Nov 8, 2024	J-GAAP
Oct - Dec, 2024	12,064	ー	4,468	3,136	49.0	0.0	Feb 7, 2025	J-GAAP
YoY	+25.4%	－	+8.6%	+7.8%	+7.4%