The Hyakugo Bank (8368) Q3 2025 earnings summary

Executive summary

• Recurring revenue for the nine months ended December 2024 rose 5.2% year-over-year to ¥89.64 billion, driven by higher interest income from loans and securities.

• Recurring profit increased 22.9% year-over-year to ¥20.44 billion, and net income attributable to shareholders rose 22.0% to ¥14.62 billion.

• Comprehensive income declined sharply to a loss of ¥17.89 billion, mainly due to valuation changes in securities.

Financial highlights

• Net interest income and securities income both increased, supporting overall revenue growth.

• Recurring expenses rose due to higher deposit and bond borrowing costs.

• EPS for the period was ¥58.91, up from ¥47.22 year-over-year.

• Total assets at period-end were ¥7.71 trillion, down ¥384.3 billion from the previous fiscal year-end.

• Net assets decreased by ¥24.1 billion to ¥472.8 billion.

Outlook and guidance

• Full-year recurring profit forecast is ¥24.2 billion (up 20.7% year-over-year), with net income forecast at ¥17.2 billion (up 20.4%).

• EPS for the full year is projected at ¥69.94.

• No changes to previously announced guidance.