The Hyakugo Bank (8368) Q3 2026 earnings summary

Executive summary

• Ordinary income for the nine months ended December 31, 2025, rose by ¥20,491 million year-over-year to ¥110,132 million, driven by higher interest income from loans and securities.

• Ordinary profit increased by ¥1,858 million year-over-year to ¥22,296 million, while profit attributable to owners of parent rose by ¥1,525 million to ¥16,144 million.

• Comprehensive income surged by ¥95,428 million year-over-year to ¥77,539 million.

Financial highlights

• Total assets as of December 31, 2025, increased by ¥264.5 billion from March 31, 2025, reaching ¥7,697.7 billion.

• Net assets grew by ¥68.9 billion to ¥504.4 billion over the same period.

• Deposits, including negotiable certificates of deposit, rose by ¥201.2 billion to ¥6,345.0 billion.

• Loans and bills discounted increased by ¥77.3 billion to ¥5,129.3 billion, mainly from housing loans.

• Securities holdings expanded by ¥94.2 billion to ¥1,581.4 billion.

Outlook and guidance

• Full-year forecast for fiscal year ending March 31, 2026: ordinary profit of ¥28,800 million (up 12.0% year-over-year), profit attributable to owners of parent of ¥20,600 million (up 14.2%), and basic EPS of ¥84.88.

• Annual dividend forecast raised to ¥26.00 per share.