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Fukui Bank, First Half Ordinary Profit Decreases by 22%, Jul-Sep Ordinary Profit Decreases by 83%

Fri Nov 14, 2025 1:00 pm JST Earnings

8362 The Fukui Bank, Ltd. 【J-GAAP】

Earnings Report

The Fukui Bank, Ltd. <8362> [TSE Prime] announced its financial results in the afternoon session on November 14th (13:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) decreased 21.6% from the same period last year to 4.91 billion yen. Progress toward the full-year plan of 10.5 billion yen was 46.8%, also falling below the same period of the previous year of 72.1%.

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 surge 2.3 times that of the same period last year, reaching 5.58 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit significantly dropped to 0.33 billion yen, an 82.6% 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 25,577 ー 2,816 1,762 76.4 50.2 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 31,567 ー 6,271 5,408 238.1 72.1 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 36,625 ー 4,918 2,323 98.2 46.8 Nov 14, 2025 J-GAAP
YoY +16.0% － -21.6% -57.0% -58.8%

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 ー ー 4,900 2,300 97.1 29 Oct 31, 2025 J-GAAP
Apr - Sep, 2025 Results 36,625 ー 4,918 2,323 98.2 29 Nov 14, 2025 J-GAAP
Revision Rate － － +0.4% +1.0% +1.2%

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 32,799 ー 2,430 1,758 75.8 33 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 5,582 3,677 155.6 46 Nov 14, 2025 J-GAAP
YoY － － +129.7% +109.2% +105.2%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 55,423 ー 5,615 3,717 161.0 50 May 10, 2024 J-GAAP
Mar, 2025 64,366 ー 8,701 7,166 309.2 58 May 9, 2025 J-GAAP
Mar, 2026 Guidance ー ー 10,500 6,000 253.9 75 Oct 31, 2025 J-GAAP
YoY － － +20.7% -16.3% -17.9%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 16,182 ー 1,923 1,234 54.3 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 16,563 ー 694 132 5.7 0.0 Feb 4, 2025 J-GAAP
Jan - Mar, 2025 16,236 ー 1,736 1,626 70.2 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 19,532 ー 4,584 3,002 126.8 0.0 Jul 30, 2025 J-GAAP
Jul - Sep, 2025 17,093 ー 334 -679 -28.7 0.0 Nov 14, 2025 J-GAAP
YoY +5.6% － -82.6% － －

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