Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPThe 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.
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.
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.
Consolidated ordinary profit and net income attributable to owners of the parent increased due to higher net interest income, including the interest spread between loans and deposits and interest on deposits, and lower credit-related costs.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | ¥56,055 million (YoY +5.4%) |
| Ordinary income | ¥5,461 million (YoY +29.7%) |
| Profit attributable to owners of the parent | ¥4,128 million (YoY +46.5%) |
| Net income per share | ¥228.75 |
| Equity ratio | End of the current fiscal period 2.9 / End of previous period 2.6 |
| Total assets | ¥2,915,772 million |
| Net assets | ¥85,915 million |
| Cash flows from operating activities | ¥-41,147 million |
| Cash flows from investing activities | ¥166,094 million |
| Cash flows from financing activities | ¥-1,849 million |
| Cash and cash equivalents at end of period | ¥431,313 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥4,800 million (YoY -12.1%) / Net income ¥3,200 million (YoY -22.4%) |
| Annual Dividend Forecast | ¥75 → ¥75（0.0%） |
| Payout ratio | Fiscal year ending March 2026 32.7 / Forecast for the fiscal year ending March 2027 42.3 |
| Shareholder Return Policy | Target a payout ratio of approximately 40% of net income attributable to owners of the parent and pay progressive dividends |
| Depreciation and amortization | ¥1,648 million |
| Impairment loss | ¥339 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥67 million / Extraordinary loss Losses on disposal of fixed assets ¥242 million, Impairment Losses ¥339 million |
| Disclosure regarding the going concern assumption | 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 0 / Excluded 0 / Company name None |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Not disclosed |
| Issued Shares at Period-End | 18,142,122 |
| Treasury Shares at Period-End | 82,015 |
| Factors Behind Changes in Business Performance | Consolidated ordinary profit and net income attributable to owners of the parent increased due to higher net interest income, including the interest spread between loans and deposits and interest on deposits, and lower credit-related costs. |
Items this document does not state (7)
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.For the fiscal year ended March 2026, profit increased due to higher net interest income, including the interest spread between loans and deposits and interest on deposits, and lower credit-related costs. For the fiscal year ending March 2027, the Company plans to generate synergies from the merger of 荘内銀行 and 北都銀行, expand its business base, improve its funding capacity, and strengthen earnings through consulting-based sales.