Worth reading
47Recurring
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
43.1
% (year-on-year increase in ordinary profit)Wording
Definitive
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPNet Sales157,956¥ million (ordinary income)Year on year +24.2%
Ordinary income59,786¥ millionYear on year +43.1%Progress 55.1%
Net income attributable to owners of the parent42,283¥ million (interim net income attributable to owners of the parent)Year on year +39.2%
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¥35.32 (interim net income per share)
Financial position at period-end
Total assets17,047,535¥ million
of which net assets 766,638 ¥ millionEquity ratio 4.5%vs. prior year-end +0.2pt
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-61,365
Investment+253,525
Financials-19,681
Net change+172,479
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¥3,710,206 million
Segment revenueSegment Hokuriku Bank / Item Ordinary income (external customers) / Interim period ¥87,285 million / Same period of the previous year ¥71,025 million / Year-on-year (%) ¥22.9 million, Segment Hokkaido Bank / Item Ordinary income (external customers) / Interim period ¥54,655 million / Same period of the previous year ¥45,174 million / Year-on-year (%) ¥21 million
Segment profitSegment Hokuriku Bank / Item Segment profit (interim net income) / Interim period ¥25,272 million / Same period of the previous year ¥19,693 million / Year-on-year (%) ¥28.3 million, Segment Hokkaido Bank / Item Segment profit (interim net income) / Interim period ¥12,983 million / Same period of the previous year ¥10,062 million / Year-on-year (%) ¥29 million
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥108,500 million (YoY +34.4%)
Net income¥75,000 million (YoY +27.3%)
Earnings per share¥62.83
Revision to Earnings ForecastOrdinary income ¥89,000 million / Profit attributable to owners of the parent ¥62,000 million / Earnings per share ¥52.27 → Ordinary income ¥108,500 million / Profit attributable to owners of the parent ¥75,000 million / Earnings per share ¥62.83
Annual Dividend Forecast¥110 (actual for the fiscal year ended March 2026) → ¥190 (annual total excluding the effect of the stock split)
Factors Behind Changes in Business Performance
Ordinary income increased by ¥30.7 billion year on year, mainly due to higher interest and dividend income on funds invested, including interest on loans and interest and dividends on securities. Ordinary expenses increased by ¥12.7 billion year on year, mainly due to higher funding costs resulting from increased interest paid on deposits and other factors, while ordinary profit increased by ¥18.0 billion year on year.
Disclosure regarding the going concern assumption
No applicable matters. The filing states, “There are no applicable matters.”
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 No修正再表示 No
Changes in the scope of consolidationNew Number of companies 1 / Company name 北陸コンピュータ・サービス株式会社 / Excluded Number of companies 0 / Company name Not disclosed
Material subsequent eventsNot applicable.
Impairment loss¥70 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥60 million / Extraordinary loss Loss on disposal of fixed assets ¥208 million, Impairment Losses ¥70 million, Other ¥10 million
Depreciation and amortization¥4,551 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingYes (analysts and institutional investors)
Issued Shares at Period-End1,211,201,140
Treasury Shares at Period-End21,007,426
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Net Sales | ¥157,956 million (ordinary income) (YoY +24.2%) |
| Ordinary income | ¥59,786 million (YoY +43.1%) |
| Profit attributable to owners of the parent | ¥42,283 million (interim net income attributable to owners of the parent) (YoY +39.2%) |
| Net income per share | ¥35.32 (interim net income per share) |
| Equity ratio | End of the current fiscal period 4.5 / End of previous period 4.3 |
| Total assets | ¥17,047,535 million |
| Net assets | ¥766,638 million |
| Cash flows from operating activities | ¥-61,365 million |
| Cash flows from investing activities | ¥253,525 million |
| Cash flows from financing activities | ¥-19,681 million |
| Cash and cash equivalents at end of period | ¥3,710,206 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥108,500 million (YoY +34.4%) / Net income ¥75,000 million (YoY +27.3%) / Earnings per share ¥62.83 |
| Revision to Earnings Forecast | Ordinary income ¥89,000 million / Profit attributable to owners of the parent ¥62,000 million / Earnings per share ¥52.27 → Ordinary income ¥108,500 million / Profit attributable to owners of the parent ¥75,000 million / Earnings per share ¥62.83 |
| Annual Dividend Forecast | ¥110 (actual for the fiscal year ended March 2026) → ¥190 (annual total excluding the effect of the stock split) |
| Segment revenue | Segment Hokuriku Bank / Item Ordinary income (external customers) / Interim period ¥87,285 million / Same period of the previous year ¥71,025 million / Year-on-year (%) ¥22.9 million, Segment Hokkaido Bank / Item Ordinary income (external customers) / Interim period ¥54,655 million / Same period of the previous year ¥45,174 million / Year-on-year (%) ¥21 million |
| Segment profit | Segment Hokuriku Bank / Item Segment profit (interim net income) / Interim period ¥25,272 million / Same period of the previous year ¥19,693 million / Year-on-year (%) ¥28.3 million, Segment Hokkaido Bank / Item Segment profit (interim net income) / Interim period ¥12,983 million / Same period of the previous year ¥10,062 million / Year-on-year (%) ¥29 million |
| Depreciation and amortization | ¥4,551 million |
| Impairment loss | ¥70 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥60 million / Extraordinary loss Loss on disposal of fixed assets ¥208 million, Impairment Losses ¥70 million, Other ¥10 million |
| Disclosure regarding the going concern assumption | No applicable matters. The filing states, “There are no applicable matters.” |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New Number of companies 1 / Company name 北陸コンピュータ・サービス株式会社 / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (analysts and institutional investors) |
| Issued Shares at Period-End | 1,211,201,140 |
| Treasury Shares at Period-End | 21,007,426 |
| Factors Behind Changes in Business Performance | Ordinary income increased by ¥30.7 billion year on year, mainly due to higher interest and dividend income on funds invested, including interest on loans and interest and dividends on securities. Ordinary expenses increased by ¥12.7 billion year on year, mainly due to higher funding costs resulting from increased interest paid on deposits and other factors, while ordinary profit increased by ¥18.0 billion year on year. |
Items this document does not state (6)
Operating profitOperating MarginPayout ratioShareholder Return PolicyRegional 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.The increase in ordinary income was mainly attributable to higher interest and dividend income on funds invested, including interest on loans and interest and dividends on securities. Funding costs also increased due to higher interest paid on deposits and other factors, but interim net income attributable to owners of the parent increased as ordinary profit rose.
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.
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Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.