HACHIJUNI NAGANO BANK (8359) Q4 2025 earnings summary

Executive summary

• Ordinary profit rose by ¥28.6bn year-over-year to ¥63.8bn, driven by higher interest and other income, despite increased funding and administrative costs.

• Profit attributable to owners of parent increased by ¥10.9bn to ¥47.9bn, reflecting the prior year’s gain on bargain purchase from the Nagano Bank acquisition.

• Consolidated gross business profit reached ¥113.2bn, up ¥12.8bn year-over-year, with notable growth in interest income and equity securities gains.

Financial highlights

• Consolidated ordinary revenues were ¥254.2bn, up 19.7% year-over-year; ordinary profit was ¥63.8bn, up 81.2%.

• Profit attributable to owners of parent was ¥47.98bn, up 29.4% year-over-year.

• Basic earnings per share increased to ¥101.23 from ¥76.37 year-over-year.

• Net assets decreased to ¥967.7bn, and total assets declined to ¥13,515.3bn.

• Deposits grew by ¥111.4bn to ¥9,549.4bn; loans and bills discounted fell by ¥319.6bn to ¥6,461.5bn.

• Securities holdings decreased by ¥236.3bn to ¥3,406.7bn.

• Cash and cash equivalents at year-end were ¥2,999.7bn, down ¥680.4bn from the prior year.

Outlook and guidance

• FY2026 consolidated ordinary profit forecast is ¥75.0bn (+17.4% YoY); profit attributable to owners of parent forecast at ¥50.0bn (+4.2% YoY).

• Non-consolidated ordinary profit forecast is ¥72.5bn (+20.9% YoY); net income forecast at ¥49.0bn (+6.5% YoY).

• Dividend forecast for FY2026 is ¥50.00 per share, including a ¥5.00 commemorative dividend.