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TOWA BANK, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 15%, Oct-Dec Ordinary Profit Decreases by 50%

Tue Feb 3, 2026 3:30 pm JST Earnings

8558 THE TOWA BANK,LTD. 【J-GAAP】

Earnings Report

THE TOWA BANK,LTD. <8558> [TSE Prime] announced its financial results after the market closed on February 3rd (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) increased 15.4% from the same period last year, reaching 3499 million yen. Progress toward the full-year plan of 3500 million yen was 100.0%, also surpassing the five-year average of 83.4%.

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 significant drop 100.0% from the same period last year to 1 million yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit dropped to 483 million yen, a 49.9% decrease compared to the same period last year.

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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 25,689 ー 3,565 2,856 77.2 82.2 Feb 2, 2024 J-GAAP
Apr - Dec, 2024 25,615 ー 3,031 1,975 53.4 47.4 Feb 7, 2025 J-GAAP
Apr - Dec, 2025 31,311 ー 3,499 3,523 98.6 100.0 Feb 3, 2026 J-GAAP
YoY +22.2% － +15.4% +78.4% +84.8%

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 21,039 ー 4,323 3,324 90.0 35 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 484 373 10.5 35 Nov 11, 2025 J-GAAP
YoY － － -88.8% -88.8% -88.3%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 34,138 ー 4,335 3,530 89.8 35 May 9, 2024 J-GAAP
Mar, 2025 37,815 ー 6,389 4,520 122.4 35 May 12, 2025 J-GAAP
Mar, 2026 Guidance ー ー 3,500 3,500 98.8 35 Nov 4, 2025 J-GAAP
YoY － － -45.2% -22.6% -19.3%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 8,839 ー 965 779 21.1 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 12,200 ー 3,358 2,545 68.9 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 9,866 ー 1,453 1,906 52.5 0.0 Aug 5, 2025 J-GAAP
Jul - Sep, 2025 10,680 ー 1,563 1,221 34.1 0.0 Nov 11, 2025 J-GAAP
Oct - Dec, 2025 10,765 ー 483 396 11.1 0.0 Feb 3, 2026 J-GAAP
YoY +21.8% － -49.9% -49.2% -47.3%

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