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TOCHIGI BANK, First Half Ordinary Profit Increases by 2.4 times, Jul-Sep Ordinary Profit Increases by 6.6 times

Fri Nov 7, 2025 3:00 pm JST Earnings

8550 THE TOCHIGI BANK,LTD. 【J-GAAP】

Earnings Report

THE TOCHIGI BANK,LTD. <8550> [TSE Prime] announced its financial results in the afternoon session on November 7th (15:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) surged 2.4 times that of the same period last year, reaching 4.93 billion yen. Progress toward the full-year plan of 9.10 billion yen was 54.2%, it was below the five-year average of 60.0%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit/loss for the October to March period (second half) is expected to turn into a profit of 4.16 billion yen (compared to a loss of 25.6 billion yen in the same period last year).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit surged 6.6 times that of the same period last year, reaching 2.43 billion yen.

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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 21,081 ー 3,457 1,843 17.8 81.6 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 22,135 ー 2,037 1,470 14.2 ー Nov 8, 2024 J-GAAP
Apr - Sep, 2025 25,134 ー 4,934 4,344 41.8 54.2 Nov 7, 2025 J-GAAP
YoY +13.5% － +142.2% +195.5% +194.8%

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 25,100 ー 4,900 4,300 41.5 12 Oct 29, 2025 J-GAAP
Apr - Sep, 2025 Results 25,134 ー 4,934 4,344 41.8 12 Nov 7, 2025 J-GAAP
Revision Rate +0.1% － +0.7% +1.0% +0.8%

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 22,952 ー -25,678 -23,798 -229.6 3.50 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 25,366 ー 4,166 3,456 33.2 12 Nov 7, 2025 J-GAAP
YoY +10.5% － － － －

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 45,276 ー 4,234 2,101 20.3 6 May 10, 2024 J-GAAP
Mar, 2025 45,087 ー -23,641 -22,328 -215.5 7 May 9, 2025 J-GAAP
Mar, 2026 Guidance 50,500 ー 9,100 7,800 74.9 24 Oct 29, 2025 J-GAAP
YoY +12.0% － － － －

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 11,429 ー 369 420 4.1 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 12,117 ー 3,166 2,318 22.4 0.0 Jan 31, 2025 J-GAAP
Jan - Mar, 2025 10,835 ー -28,844 -26,116 -252.0 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 11,877 ー 2,497 1,727 16.7 0.0 Jul 30, 2025 J-GAAP
Jul - Sep, 2025 13,257 ー 2,437 2,617 25.2 0.0 Nov 7, 2025 J-GAAP
YoY +16.0% － +560.4% +523.1% +522.2%

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