Reported Earnings • Aug 14
First quarter 2027 earnings released: EPS: JP¥51.53 (vs JP¥50.42 in 1Q 2026) First quarter 2027 results: EPS: JP¥51.53 (up from JP¥50.42 in 1Q 2026). Revenue: JP¥3.95b (up 17% from 1Q 2026). Net income: JP¥653.0m (up 2.4% from 1Q 2026). Profit margin: 17% (down from 19% in 1Q 2026). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Jun 26
The Daito Bank, Ltd. to Report Q1, 2027 Results on Aug 10, 2026 The Daito Bank, Ltd. announced that they will report Q1, 2027 results on Aug 10, 2026 Reported Earnings • May 20
Full year 2026 earnings released: EPS: JP¥133 (vs JP¥105 in FY 2025) Full year 2026 results: EPS: JP¥133 (up from JP¥105 in FY 2025). Revenue: JP¥13.6b (up 12% from FY 2025). Net income: JP¥1.68b (up 26% from FY 2025). Profit margin: 12% (up from 11% in FY 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has increased by 17% per year, which means it is tracking significantly ahead of earnings growth. Announcement • May 15
The Daito Bank, Ltd., Annual General Meeting, Jun 26, 2026 The Daito Bank, Ltd., Annual General Meeting, Jun 26, 2026. Announcement • May 10
The Daito Bank, Ltd. to Report Fiscal Year 2026 Results on May 15, 2026 The Daito Bank, Ltd. announced that they will report fiscal year 2026 results on May 15, 2026 Upcoming Dividend • Mar 23
Upcoming dividend of JP¥32.00 per share Eligible shareholders must have bought the stock before 30 March 2026. Payment date: 23 June 2026. Payout ratio is a comfortable 28% but the company is not cash flow positive. Trailing yield: 3.3%. Lower than top quartile of Japanese dividend payers (3.6%). Higher than average of industry peers (2.7%). Reported Earnings • Feb 07
Third quarter 2026 earnings released: EPS: JP¥32.19 (vs JP¥25.66 in 3Q 2025) Third quarter 2026 results: EPS: JP¥32.19 (up from JP¥25.66 in 3Q 2025). Revenue: JP¥3.74b (up 15% from 3Q 2025). Net income: JP¥408.0m (up 26% from 3Q 2025). Profit margin: 11% (in line with 3Q 2025). Over the last 3 years on average, earnings per share has increased by 5% per year but the company’s share price has increased by 14% per year, which means it is tracking significantly ahead of earnings growth. Reported Earnings • Nov 18
Second quarter 2026 earnings released: EPS: JP¥26.05 (vs JP¥28.82 in 2Q 2025) Second quarter 2026 results: EPS: JP¥26.05 (down from JP¥28.82 in 2Q 2025). Revenue: JP¥3.40b (up 10% from 2Q 2025). Net income: JP¥330.0m (down 9.6% from 2Q 2025). Profit margin: 9.7% (down from 12% in 2Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 7% per year. Declared Dividend • Nov 17
Dividend of JP¥32.00 announced Shareholders will receive a dividend of JP¥32.00. Ex-date: 30th March 2026 Payment date: 23rd June 2026 Dividend yield will be 4.1%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 4.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 8.2% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • Sep 26
The Daito Bank, Ltd. to Report Q2, 2026 Results on Nov 14, 2025 The Daito Bank, Ltd. announced that they will report Q2, 2026 results on Nov 14, 2025 Reported Earnings • Aug 10
First quarter 2026 earnings released: EPS: JP¥50.42 (vs JP¥43.58 in 1Q 2025) First quarter 2026 results: EPS: JP¥50.42 (up from JP¥43.58 in 1Q 2025). Revenue: JP¥3.38b (up 4.0% from 1Q 2025). Net income: JP¥638.0m (up 16% from 1Q 2025). Profit margin: 19% (up from 17% in 1Q 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 4% per year and the company’s share price has also increased by 4% per year. Announcement • Jun 24
The Daito Bank, Ltd. to Report Q1, 2026 Results on Aug 08, 2025 The Daito Bank, Ltd. announced that they will report Q1, 2026 results on Aug 08, 2025 Reported Earnings • May 17
Full year 2025 earnings released: EPS: JP¥105 (vs JP¥98.98 in FY 2024) Full year 2025 results: EPS: JP¥105 (up from JP¥98.98 in FY 2024). Revenue: JP¥12.3b (down 9.2% from FY 2024). Net income: JP¥1.33b (up 6.0% from FY 2024). Profit margin: 11% (up from 9.3% in FY 2024). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 2% per year. Announcement • May 13
The Daito Bank, Ltd., Annual General Meeting, Jun 20, 2025 The Daito Bank, Ltd., Annual General Meeting, Jun 20, 2025. Announcement • Mar 22
The Daito Bank, Ltd. to Report Fiscal Year 2025 Results on May 13, 2025 The Daito Bank, Ltd. announced that they will report fiscal year 2025 results on May 13, 2025 Upcoming Dividend • Mar 21
Upcoming dividend of JP¥30.00 per share Eligible shareholders must have bought the stock before 28 March 2025. Payment date: 24 June 2025. Payout ratio is a comfortable 28% but the company is not cash flow positive. Trailing yield: 4.0%. Within top quartile of Japanese dividend payers (3.7%). Higher than average of industry peers (3.1%). Reported Earnings • Feb 08
Third quarter 2025 earnings released: EPS: JP¥25.66 (vs JP¥20.96 in 3Q 2024) Third quarter 2025 results: EPS: JP¥25.66 (up from JP¥20.96 in 3Q 2024). Revenue: JP¥3.25b (flat on 3Q 2024). Net income: JP¥325.0m (up 22% from 3Q 2024). Profit margin: 10.0% (up from 8.1% in 3Q 2024). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year. Announcement • Jan 03
The Daito Bank, Ltd. to Report Q3, 2025 Results on Feb 07, 2025 The Daito Bank, Ltd. announced that they will report Q3, 2025 results on Feb 07, 2025 Declared Dividend • Nov 11
Dividend of JP¥30.00 announced Shareholders will receive a dividend of JP¥30.00. Ex-date: 28th March 2025 Payment date: 24th June 2025 Dividend yield will be 4.2%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 4.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend. Reported Earnings • Nov 10
Second quarter 2025 earnings released: EPS: JP¥28.82 (vs JP¥26.50 in 2Q 2024) Second quarter 2025 results: EPS: JP¥28.82 (up from JP¥26.50 in 2Q 2024). Revenue: JP¥3.13b (down 4.0% from 2Q 2024). Net income: JP¥365.0m (up 8.6% from 2Q 2024). Profit margin: 12% (up from 10% in 2Q 2024). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 1% per year and the company’s share price has also increased by 1% per year. Announcement • Sep 21
The Daito Bank, Ltd. to Report Q2, 2025 Results on Nov 08, 2024 The Daito Bank, Ltd. announced that they will report Q2, 2025 results on Nov 08, 2024 Reported Earnings • Aug 11
First quarter 2025 earnings released: EPS: JP¥43.58 (vs JP¥41.07 in 1Q 2024) First quarter 2025 results: EPS: JP¥43.58 (up from JP¥41.07 in 1Q 2024). Revenue: JP¥3.25b (down 1.5% from 1Q 2024). Net income: JP¥552.0m (up 6.2% from 1Q 2024). Profit margin: 17% (up from 16% in 1Q 2024). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has remained flat whereas the company’s share price has increased by 2% per year. Valuation Update With 7 Day Price Move • Aug 05
Investor sentiment deteriorates as stock falls 19% After last week's 19% share price decline to JP¥611, the stock trades at a trailing P/E ratio of 6.2x. Average trailing P/E is 10x in the Banks industry in Japan. Total returns to shareholders of 12% over the past three years. Announcement • Jun 23
The Daito Bank, Ltd. to Report Q1, 2025 Results on Aug 09, 2024 The Daito Bank, Ltd. announced that they will report Q1, 2025 results on Aug 09, 2024 Reported Earnings • May 13
Full year 2024 earnings released: EPS: JP¥98.98 (vs JP¥101 in FY 2023) Full year 2024 results: EPS: JP¥98.98 (down from JP¥101 in FY 2023). Revenue: JP¥13.5b (up 6.5% from FY 2023). Net income: JP¥1.26b (down 2.2% from FY 2023). Profit margin: 9.3% (in line with FY 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 6% per year. Announcement • May 12
The Daito Bank, Ltd., Annual General Meeting, Jun 21, 2024 The Daito Bank, Ltd., Annual General Meeting, Jun 21, 2024. Announcement • May 11
The Daito Bank, Ltd. (TSE:8563) announces an Equity Buyback for 40,000 shares, representing 0.32% for ¥33 million. The Daito Bank, Ltd. (TSE:8563) announces a share repurchase program. Under the program, the company will repurchase up to 40,000 shares, representing 0.32% of its issued share capital (excluding treasury stock), for ¥33 million. The purpose of the program is to apply it to allocate to shares to be issued in connection with restricted stock compensation. The program will run until June 20, 2024. As of April 30, 2024, the company had 12,687,463 shares in issue (excluding treasury stock) and 13,999 shares in treasury. Announcement • Mar 23
The Daito Bank, Ltd. to Report Fiscal Year 2024 Results on May 10, 2024 The Daito Bank, Ltd. announced that they will report fiscal year 2024 results on May 10, 2024 Buy Or Sell Opportunity • Mar 23
Now 20% undervalued Over the last 90 days, the stock has risen 11% to JP¥819. The fair value is estimated to be JP¥1,026, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Upcoming Dividend • Mar 21
Upcoming dividend of JP¥30.00 per share Eligible shareholders must have bought the stock before 28 March 2024. Payment date: 26 June 2024. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 3.6%. Within top quartile of Japanese dividend payers (3.2%). Higher than average of industry peers (2.9%). Reported Earnings • Feb 11
Third quarter 2024 earnings released: EPS: JP¥20.96 (vs JP¥24.41 in 3Q 2023) Third quarter 2024 results: EPS: JP¥20.96 (down from JP¥24.41 in 3Q 2023). Revenue: JP¥3.27b (up 2.4% from 3Q 2023). Net income: JP¥266.0m (down 14% from 3Q 2023). Profit margin: 8.1% (down from 9.7% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 5% per year. Announcement • Dec 24
The Daito Bank, Ltd. to Report Q3, 2024 Results on Feb 09, 2024 The Daito Bank, Ltd. announced that they will report Q3, 2024 results on Feb 09, 2024 Reported Earnings • Nov 12
Second quarter 2024 earnings released: EPS: JP¥26.49 (vs JP¥19.44 in 2Q 2023) Second quarter 2024 results: EPS: JP¥26.49 (up from JP¥19.44 in 2Q 2023). Revenue: JP¥3.26b (up 4.4% from 2Q 2023). Net income: JP¥336.0m (up 37% from 2Q 2023). Profit margin: 10% (up from 7.9% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has increased by 9% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Sep 17
The Daito Bank, Ltd. to Report Q2, 2024 Results on Nov 10, 2023 The Daito Bank, Ltd. announced that they will report Q2, 2024 results on Nov 10, 2023 Reported Earnings • Aug 08
First quarter 2024 earnings released: EPS: JP¥41.07 (vs JP¥48.19 in 1Q 2023) First quarter 2024 results: EPS: JP¥41.07 (down from JP¥48.19 in 1Q 2023). Revenue: JP¥3.29b (down 1.5% from 1Q 2023). Net income: JP¥520.0m (down 15% from 1Q 2023). Profit margin: 16% (down from 18% in 1Q 2023). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 3% per year. Announcement • Jun 26
The Daito Bank, Ltd. to Report Q1, 2024 Results on Aug 07, 2023 The Daito Bank, Ltd. announced that they will report Q1, 2024 results on Aug 07, 2023 Reported Earnings • May 17
Full year 2023 earnings released: EPS: JP¥101 (vs JP¥94.78 in FY 2022) Full year 2023 results: EPS: JP¥101 (up from JP¥94.78 in FY 2022). Revenue: JP¥12.8b (up 2.3% from FY 2022). Net income: JP¥1.28b (up 6.8% from FY 2022). Profit margin: 10.0% (in line with FY 2022). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 4% per year. Upcoming Dividend • Mar 23
Upcoming dividend of JP¥30.00 per share at 4.5% yield Eligible shareholders must have bought the stock before 30 March 2023. Payment date: 27 June 2023. Payout ratio is a comfortable 30% but the company is not cash flow positive. Trailing yield: 4.5%. Within top quartile of Japanese dividend payers (3.6%). Higher than average of industry peers (4.0%). Reported Earnings • Feb 12
Third quarter 2023 earnings released: EPS: JP¥24.40 (vs JP¥17.12 in 3Q 2022) Third quarter 2023 results: EPS: JP¥24.40 (up from JP¥17.12 in 3Q 2022). Revenue: JP¥3.33b (up 5.6% from 3Q 2022). Net income: JP¥309.0m (up 42% from 3Q 2022). Profit margin: 9.3% (up from 6.9% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth. Announcement • Dec 18
The Daito Bank, Ltd. to Report Q3, 2023 Results on Feb 10, 2023 The Daito Bank, Ltd. announced that they will report Q3, 2023 results on Feb 10, 2023 Reported Earnings • Nov 16
Second quarter 2023 earnings released: EPS: JP¥19.44 (vs JP¥28.96 in 2Q 2022) Second quarter 2023 results: EPS: JP¥19.44 (down from JP¥28.96 in 2Q 2022). Revenue: JP¥3.14b (flat on 2Q 2022). Net income: JP¥246.0m (down 33% from 2Q 2022). Profit margin: 7.8% (down from 12% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings. Board Change • Nov 16
Less than half of directors are independent There are 6 new directors who have joined the board in the last 3 years. Of these new board members, 4 were independent directors. The company's board is composed of: 4 independent directors. 6 non-independent directors. Independent Outside Director Mika Matsumoto was the last independent director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Reported Earnings • Nov 13
Second quarter 2023 earnings released: EPS: JP¥19.44 (vs JP¥28.96 in 2Q 2022) Second quarter 2023 results: EPS: JP¥19.44 (down from JP¥28.96 in 2Q 2022). Revenue: JP¥3.14b (flat on 2Q 2022). Net income: JP¥246.0m (down 33% from 2Q 2022). Profit margin: 7.8% (down from 12% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings. Announcement • Sep 18
The Daito Bank, Ltd. to Report Q2, 2023 Results on Nov 11, 2022 The Daito Bank, Ltd. announced that they will report Q2, 2023 results on Nov 11, 2022 Reported Earnings • Aug 07
First quarter 2023 earnings released: EPS: JP¥48.19 (vs JP¥40.96 in 1Q 2022) First quarter 2023 results: EPS: JP¥48.19 (up from JP¥40.96 in 1Q 2022). Revenue: JP¥3.35b (up 9.7% from 1Q 2022). Net income: JP¥610.0m (up 18% from 1Q 2022). Profit margin: 18% (up from 17% in 1Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has increased by 7% per year. Reported Earnings • May 18
Full year 2022 earnings released: EPS: JP¥94.78 (vs JP¥78.13 in FY 2021) Full year 2022 results: EPS: JP¥94.78 (up from JP¥78.13 in FY 2021). Revenue: JP¥12.8b (up 5.7% from FY 2021). Net income: JP¥1.20b (up 21% from FY 2021). Profit margin: 9.4% (up from 8.2% in FY 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has increased by 3% per year. Announcement • May 18
The Daito Bank, Ltd., Annual General Meeting, Jun 24, 2022 The Daito Bank, Ltd., Annual General Meeting, Jun 24, 2022. Board Change • Apr 27
Less than half of directors are independent There are 5 new directors who have joined the board in the last 3 years. Of these new board members, 4 were independent directors. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Outside Director Mika Matsumoto was the last independent director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Announcement • Apr 08
The Daito Bank, Ltd. to Report Fiscal Year 2022 Results on May 13, 2022 The Daito Bank, Ltd. announced that they will report fiscal year 2022 results on May 13, 2022 Upcoming Dividend • Mar 23
Upcoming dividend of JP¥30.00 per share Eligible shareholders must have bought the stock before 30 March 2022. Payment date: 28 June 2022. Payout ratio is a comfortable 30% but the company is not cash flow positive. Trailing yield: 4.1%. Within top quartile of Japanese dividend payers (3.4%). In line with average of industry peers (4.0%). Reported Earnings • Feb 07
Third quarter 2022 earnings: Revenues and EPS in line with analyst expectations Third quarter 2022 results: EPS: JP¥17.12 (down from JP¥21.54 in 3Q 2021). Revenue: JP¥3.39b (up 21% from 3Q 2021). Net income: JP¥217.0m (down 21% from 3Q 2021). Profit margin: 6.4% (down from 9.8% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings. Reported Earnings • Nov 15
Second quarter 2022 earnings released: EPS JP¥28.96 (vs JP¥26.83 in 2Q 2021) The company reported a decent second quarter result with improved earnings and profit margins, although revenues were weaker. Second quarter 2022 results: Revenue: JP¥3.28b (down 8.7% from 2Q 2021). Net income: JP¥367.0m (up 7.9% from 2Q 2021). Profit margin: 11% (up from 9.5% in 2Q 2021). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings. Reported Earnings • Aug 09
First quarter 2022 earnings released: EPS JP¥40.96 (vs JP¥17.36 in 1Q 2021) The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2022 results: Revenue: JP¥3.13b (up 14% from 1Q 2021). Net income: JP¥519.0m (up 136% from 1Q 2021). Profit margin: 17% (up from 8.0% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has fallen by 20% per year, which means it is significantly lagging earnings. Reported Earnings • May 17
Full year 2021 earnings released: EPS JP¥78.12 (vs JP¥83.80 in FY 2020) The company reported a soft full year result with weaker earnings and profit margins, although revenues improved. Full year 2021 results: Revenue: JP¥12.4b (up 8.4% from FY 2020). Net income: JP¥990.0m (down 6.8% from FY 2020). Profit margin: 8.0% (down from 9.3% in FY 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has fallen by 23% per year, which means it is performing significantly worse than earnings. Upcoming Dividend • Mar 23
Upcoming dividend of JP¥30.00 per share Eligible shareholders must have bought the stock before 30 March 2021. Payment date: 29 June 2021. Trailing yield: 3.9%. Within top quartile of Japanese dividend payers (2.7%). In line with average of industry peers (3.8%). Valuation Update With 7 Day Price Move • Mar 22
Investor sentiment improved over the past week After last week's 16% share price gain to JP¥820, the stock trades at a trailing P/E ratio of 8.6x. Average trailing P/E is 11x in the Banks industry in Japan. Total loss to shareholders of 25% over the past three years. Announcement • Mar 19
The Daito Bank, Ltd. to Report Fiscal Year 2021 Results on May 14, 2021 The Daito Bank, Ltd. announced that they will report fiscal year 2021 results on May 14, 2021 Is New 90 Day High Low • Feb 15
New 90-day high: JP¥659 The company is up 8.0% from its price of JP¥611 on 17 November 2020. The Japanese market is up 11% over the last 90 days, indicating the company underperformed over that time. However, its price trend is similar to the Banks industry, which is also up 8.0% over the same period. Reported Earnings • Feb 08
Third quarter 2021 earnings released: EPS JP¥21.54 (vs JP¥17.04 in 3Q 2020) The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: JP¥3.32b (up 16% from 3Q 2020). Net income: JP¥273.0m (up 26% from 3Q 2020). Profit margin: 8.2% (up from 7.6% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has fallen by 24% per year, which means it is performing significantly worse than earnings. Is New 90 Day High Low • Jan 13
New 90-day high: JP¥645 The company is up 5.0% from its price of JP¥614 on 15 October 2020. The Japanese market is up 12% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 9.0% over the same period. Announcement • Dec 19
The Daito Bank, Ltd. to Report Q3, 2021 Results on Feb 05, 2021 The Daito Bank, Ltd. announced that they will report Q3, 2021 results on Feb 05, 2021 Announcement • Oct 10
The Daito Bank, Ltd. to Report Q2, 2021 Results on Nov 13, 2020 The Daito Bank, Ltd. announced that they will report Q2, 2021 results on Nov 13, 2020 
