The Hyakugo Bank (8368) Q4 2025 earnings summary

Executive summary

• Ordinary income rose by ¥5,004 million year-over-year to ¥124,491 million, driven by higher interest income from loans and securities.

• Ordinary profit increased by ¥5,649 million to ¥25,704 million, and net income attributable to owners of the parent grew by ¥3,761 million to ¥18,042 million, both year-over-year.

• Comprehensive income declined sharply by ¥166,295 million to ¥(55,264) million year-over-year, mainly due to valuation losses on securities.

• The Medium-term Management Plan targets were exceeded for net income and ROE, but fell short on some fee income categories.

Financial highlights

• Consolidated ordinary revenues: ¥124,491 million (+4.2% year-over-year).

• Ordinary profit: ¥25,704 million (+28.2% year-over-year).

• Net income attributable to owners of parent: ¥18,042 million (+26.3% year-over-year).

• Basic earnings per share: ¥72.87 (up from ¥56.44 year-over-year).

• Total assets: ¥7,433,220 million (down from ¥8,097,192 million year-over-year).

• Net assets: ¥435,449 million (down from ¥496,919 million year-over-year).

• Capital adequacy ratio (consolidated): 12.33% (down 0.19 pts year-over-year).

Outlook and guidance

• FY2026 consolidated ordinary profit forecast: ¥26,400 million (+2.7% year-over-year).

• FY2026 net income attributable to owners of parent forecast: ¥18,500 million (+2.5% year-over-year).

• Non-consolidated ordinary profit and net income forecast: ¥25,300 million and ¥18,000 million, respectively.