Worth reading
65In focus
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
9061
¥ millionWording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPOrdinary income32,369¥ millionYear on year +38.9%Progress 88.4%
Net income attributable to owners of the parent21,819¥ millionYear on year +23.8%Progress 87.3%
The width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
Net income per share¥339.91
Financial position at period-end
Total assets6,118,931¥ million
of which net assets 248,566 ¥ millionEquity ratio 4.0%vs. prior year-end 0.0pt
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Cash inflows and outflows
Operating-8,259
Investment+46,186
Financials-7,245
Net change+30,682
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Cash and cash equivalents at end of period¥837,737 million
Segment revenueBanking Ordinary revenue ¥101,979 million / yoy_pct Not disclosed / Other (outside reportable segments) Ordinary revenue ¥12,890 million / yoy_pct Not disclosed
Segment profitBanking Segment profit ¥30,651 million / yoy_pct Not disclosed / Other (outside reportable segments) Segment profit ¥1,750 million / yoy_pct Not disclosed
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥36,600 million (YoY +13.1%)
Net income¥25,000 million (YoY +14.6%)
Revision to Earnings ForecastOnly the fact of an upward revision is disclosed
Annual Dividend Forecast¥137 → — (¥156.00 without taking the stock split into account)（13.9% without taking the stock split into account）
Payout ratio40.3
Shareholder Return PolicyTarget payout ratio of 40%
Factors Behind Changes in Business Performance
Ordinary income increased due to increases in interest on loans, interest and dividends on securities, and fees and commissions. Interest on deposits, operating expenses and credit costs also increased, but ordinary profit rose due to the increase in ordinary income.
Disclosure regarding the going concern assumption
Not applicable.
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 Yes修正再表示 No
Changes in the scope of consolidationNew Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed
Material subsequent eventsThe Articles of Incorporation will be amended, effective 1 October 2026, to split each common share into 3 shares and change the total number of authorized shares from 120 million to 360 million.
Impairment loss¥551 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥18 million / Extraordinary loss Losses on disposal of fixed assets ¥295 million, Impairment Losses ¥551 million, Provision for losses on rebuilding the head office ¥1,576 million, Other extraordinary losses ¥4 million
Depreciation and amortization¥3,384 million
Availability of Financial Results BriefingYes (audience: Not disclosed)
Issued Shares at Period-End67,300,000
Treasury Shares at Period-End2,885,206
Supplementary financial results materialsYes
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Ordinary income | ¥32,369 million (YoY +38.9%) |
| Profit attributable to owners of the parent | ¥21,819 million (YoY +23.8%) |
| Net income per share | ¥339.91 |
| Equity ratio | End of the current fiscal period 4 / End of previous period 4 |
| Total assets | ¥6,118,931 million |
| Net assets | ¥248,566 million |
| Cash flows from operating activities | ¥-8,259 million |
| Cash flows from investing activities | ¥46,186 million |
| Cash flows from financing activities | ¥-7,245 million |
| Cash and cash equivalents at end of period | ¥837,737 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥36,600 million (YoY +13.1%) / Net income ¥25,000 million (YoY +14.6%) |
| Revision to Earnings Forecast | Only the fact of an upward revision is disclosed |
| Annual Dividend Forecast | ¥137 → — (¥156.00 without taking the stock split into account)（13.9% without taking the stock split into account） |
| Payout ratio | 40.3 |
| Shareholder Return Policy | Target payout ratio of 40% |
| Segment revenue | Banking Ordinary revenue ¥101,979 million / yoy_pct Not disclosed / Other (outside reportable segments) Ordinary revenue ¥12,890 million / yoy_pct Not disclosed |
| Segment profit | Banking Segment profit ¥30,651 million / yoy_pct Not disclosed / Other (outside reportable segments) Segment profit ¥1,750 million / yoy_pct Not disclosed |
| Depreciation and amortization | ¥3,384 million |
| Impairment loss | ¥551 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥18 million / Extraordinary loss Losses on disposal of fixed assets ¥295 million, Impairment Losses ¥551 million, Provision for losses on rebuilding the head office ¥1,576 million, Other extraordinary losses ¥4 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate Yes / Restatement No |
| Changes in the scope of consolidation | New Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | The Articles of Incorporation will be amended, effective 1 October 2026, to split each common share into 3 shares and change the total number of authorized shares from 120 million to 360 million. |
| Supplementary financial results materials | Yes |
| Availability of Financial Results Briefing | Yes (audience: Not disclosed) |
| Issued Shares at Period-End | 67,300,000 |
| Treasury Shares at Period-End | 2,885,206 |
| Factors Behind Changes in Business Performance | Ordinary income increased due to increases in interest on loans, interest and dividends on securities, and fees and commissions. Interest on deposits, operating expenses and credit costs also increased, but ordinary profit rose due to the increase in ordinary income. |
Items this document does not state (5)
Net SalesOperating profitOperating MarginRegional salesOrders received and order backlog
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Ordinary income increased due to increases in interest on loans, interest and dividends on securities, and fees and commissions. Although interest on deposits, operating expenses and credit costs also increased, the rise in ordinary income pushed up ordinary profit.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.