Komori
The Yamagata Bank (8344) · FactWorsened

Credit guarantee business becomes a reportable segment

First written in FY2020-Q2. 13 of 22 entries say "Worsened", first in FY2021-Q3. Latest entry: 2026-08-03.

22entries
8years
1from disclosures
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How it moved
ProgressHeldSoftenedWorseWorsenedFY2024-Q1 – 2026-08-032019: 12020: 320202021: 420212022: 420222023: 420232024: 320242025: 120252026: 22026
Same theme, other companies
Credit card and credit guarantee businesses established as an independent reportable segmentA theme 10 companies write about · 0 as a headwind · 3 as a tailwind

The Yamagata Bank moved to the "Worse" side of this theme in 2024.

The whole theme swung hardest in 2024: 3 of 6 companies on the "Worse" side.

0 other companies' latest entry also says "Worsened".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Full recordFilings, disclosures and news, newest first
  1. 2026-08-03WorsenedEarnings

    「Segment profit 3,837 35 55 3,929 48 3,977 △376 3,600」

    Segment profit in the credit-guarantee business declined from ¥139 million in the same period of the previous year to ¥55 million.
  2. FY2026WorsenedAnnual report

    「In the credit guarantee business, ordinary revenue decreased by ¥40 million from the previous consolidated fiscal year to ¥859 million, while segment profit decreased by ¥103 million to ¥629 million.」

    Both ordinary revenue and segment profit in the credit guarantee business decreased year on year, with segment profit reaching ¥629 million.
  3. FY2026-H1WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥7 million to ¥431 million, while segment profit decreased by ¥42 million to ¥301 million.」

    Both ordinary income and segment profit from credit guarantee operations declined year on year, with segment profit at ¥301 million.
  4. FY2025-H1WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥24 million to ¥438 million, while segment profit decreased by ¥38 million to ¥344 million.」

    Both ordinary income and segment profit from credit guarantee operations declined year on year, with segment profit at ¥344 million.
  5. FY2024WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥76 million from the previous consolidated fiscal year to ¥877 million, while segment profit decreased by ¥73 million to ¥711 million.」

    Credit guarantee operations continue as a separate reportable segment, but both ordinary income and segment profit declined year on year.
  6. FY2024-Q3WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥35 million to ¥661 million, while segment profit decreased by ¥81 million to ¥485 million.」

    Credit guarantee operations continue as a separate reportable segment, but both ordinary income and segment profit declined year on year, with segment profit at ¥485 million.
  7. FY2024-Q2WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥10 million to ¥463 million, while segment profit decreased by ¥6 million to ¥383 million.」

    Credit guarantee operations continue as a separate reportable segment, but both ordinary income and segment profit declined year on year.
  8. FY2024-Q1WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥6 million to ¥219 million, while segment profit decreased by ¥18 million to ¥134 million.」

    For credit guarantee operations, ordinary income decreased by ¥6 million year on year, and segment profit also decreased by ¥18 million to ¥134 million.
  9. FY2023AdvancedAnnual report

    「For credit guarantee operations, ordinary income increased by ¥35 million from the previous consolidated fiscal year to ¥953 million, while segment profit increased by ¥119 million to ¥785 million.」

    For credit guarantee operations as a separate reportable segment, segment profit increased from ¥666 million in the previous fiscal year to ¥785 million.
  10. FY2023-Q3AdvancedAnnual report

    「For credit guarantee operations, ordinary income increased by ¥3 million to ¥697 million, while segment profit increased by ¥49 million to ¥567 million.」

    Segment profit from credit guarantee operations increased by ¥49 million year on year to ¥567 million. Disclosure as a separate reportable segment and profitability have continued.
  11. FY2023-Q2AdvancedAnnual report

    「For credit guarantee operations, ordinary income increased by ¥8 million to ¥473 million, while segment profit increased by ¥11 million to ¥389 million.」

    For credit guarantee operations, which are disclosed as a separate reportable segment, both ordinary income and segment profit increased year on year, with segment profit at ¥389 million.
  12. FY2023-Q1WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥8 million to ¥225 million, while segment profit decreased by ¥37 million to ¥153 million.」

    For credit guarantee operations as a separate reportable segment, both ordinary income and segment profit declined year on year, with segment profit at ¥153 million.
  13. FY2022WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥28 million from the previous consolidated fiscal year to ¥918 million, while segment profit decreased by ¥20 million to ¥666 million.」

    For credit guarantee operations as a separate reportable segment, both ordinary income and segment profit declined year on year.
  14. FY2022-Q3WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥18 million to ¥693 million, while segment profit decreased by ¥6 million to ¥517 million.」

    Credit guarantee operations continue to be disclosed as a separate reportable segment, but ordinary income decreased by ¥18 million year on year and segment profit decreased by ¥6 million.
  15. FY2022-Q2AdvancedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥12 million to ¥465 million, while segment profit increased by ¥2 million to ¥378 million.」

    Credit guarantee operations continue to be disclosed as a separate reportable segment, and segment profit increased by ¥2 million year on year to ¥378 million.
  16. FY2022-Q1AdvancedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥4 million to ¥234 million, while segment profit increased by ¥40 million to ¥190 million.」

    For credit guarantee operations, ordinary income declined year on year, while segment profit increased by ¥40 million to ¥190 million.
  17. FY2021WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥18 million from the previous consolidated fiscal year to ¥947 million, while segment profit decreased by ¥21 million to ¥686 million.」

    Credit guarantee operations continue to be disclosed as a separate reportable segment, but both ordinary income and segment profit declined year on year.
  18. FY2021-Q3WorsenedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥35 million to ¥711 million, while segment profit decreased by ¥34 million to ¥524 million.」

    For credit guarantee operations, which are disclosed as a separate reportable segment, both ordinary income and segment profit declined year on year, with segment profit at ¥524 million.
  19. FY2021-Q2AdvancedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥16 million to ¥477 million, while segment profit increased by ¥5 million to ¥376 million.」

    For credit guarantee operations, which are disclosed as a separate reportable segment, ordinary income declined, while segment profit increased by ¥5 million year on year to ¥376 million.
  20. FY2020AdvancedAnnual report

    「For credit guarantee operations, ordinary income decreased by ¥6 million from the previous consolidated fiscal year to ¥965 million, while segment profit increased by ¥206 million to ¥708 million.」

    Credit guarantee operations were disclosed as a separate reportable segment because of their increased quantitative materiality, and full-year segment profit was ¥708 million.
  21. FY2020-Q3RestatedAnnual report

    「From the second quarter of the consolidated fiscal year, the company changed its presentation method to disclose credit guarantee operations as a reportable segment because their quantitative materiality increased, although they had previously been included in Other.」

    The company continues to disclose credit guarantee operations as a separate reportable segment. For the cumulative third-quarter period, ordinary income from credit guarantee operations was ¥747 million and segment profit was ¥558 million.
  22. FY2020-Q2First statedAnnual report

    「The group had previously reported the banking and leasing businesses as reportable segments. Beginning with the current interim consolidated accounting period, credit guarantee services, previously included in “Other,” are reported as a separate segment because their quantitative significance has increased.」

    Credit guarantee services began to be disclosed as an independent reportable segment because of their increased quantitative significance.
Moved together

"Market risk from fluctuations in interest rates, securities prices, and foreign exchange rates" moved the same way as this thread, in the same document, in 11 of its 22 moves.

11109887★123456
  1. ★This thread
  2. 1Market risk from fluctuations in interest rates, securities prices, and foreign exchange rates11×
  3. 2Decline in ordinary profit and profit attributable to owners of the parent10×
  4. 3Risk of the capital adequacy ratio falling below required levels9×
  5. 4Restricting reinvestment in securities while prioritizing loan growth8×
  6. 5The leasing segment moves into the red8×
  7. 6Expanding lending to residential mortgage borrowers, local companies, and local governments7×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
No upcoming earnings preview for The Yamagata Bank yet. It last moved in the Earnings of 2026-08-03: "Worsened".
News
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Credit guarantee business becomes a reportable segment | The Yamagata Bank,Ltd. (8344) | Komori